# EDGAR Filing Document

**Accession Number:** 0001946154
**File Stem:** 0001999371-26-013031
**Filing Date:** 2026-6
**Character Count:** 4524716
**Document Hash:** ba7f0bd1903786ae5a0e88358698024a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-013031.hdr.sgml**: 20260617

**ACCESSION NUMBER**: 0001999371-26-013031

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

**PUBLIC DOCUMENT COUNT**: 92

**CONFORMED PERIOD OF REPORT**: 20260617

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

**FILED AS OF DATE**: 20260617

**DATE AS OF CHANGE**: 20260617

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06259
- **FILM NUMBER:** 261099094

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

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

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

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

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

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001946154

<u>EFMT 2026-NQM7</u> <br> (Exact name of issuing entity as specified in its charter)

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

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

Robert A. Catarella, (203) 409-3596

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

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

Not Applicable

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | **EFMT DEPOSITOR LLC** | **EFMT DEPOSITOR LLC** |
|  | By: Ellington Management GROUP, L.L.C., as its manager | By: Ellington Management GROUP, L.L.C., as its manager |
| Date: June 17, 2026 | /s/ Robert A. Catarella | /s/ Robert A. Catarella |
|  | Name: | Robert A. Catarella |
|  | Title: | Managing Director |

---

EXHIBIT INDEX

---

| | | |
|:---|:---|:---|
| [99.01](ex99-01.htm) | [AMC Diligence, LLC ("**AMC**") Narrative](ex99-01.htm) | [AMC Diligence, LLC ("**AMC**") Narrative](ex99-01.htm) |
|  | 1. | [AMC Rating Agency Grades Report](ex99-01s1.htm) |
|  | 2. | [AMC Exception Grades Report](ex99-01s2.htm) |
|  | 3. | [AMC Valuation Summary Report](ex99-01s3.htm) |
|  | 4. | [AMC Supplemental Data Report](ex99-01s4.htm) |
|  | 5. | [AMC Business Purpose Report](ex99-01s5.htm) |
| [99.02](ex99-02.htm) | [Consolidated Analytics, Inc ("**CA**") Narrative](ex99-02.htm) | [Consolidated Analytics, Inc ("**CA**") Narrative](ex99-02.htm) |
|  | 1. | [CA Data Compare Report](ex99-02s1.htm) |
|  | 2. | [CA Due Diligence Standard Report](ex99-02s2.htm) |
|  | 3. | [CA Grades Summary Report](ex99-02s3.htm) |
|  | 4. | [CA Valuations Report](ex99-02s4.htm) |
|  | 5. | [CA Supplemental Report](ex99-02s5.htm) |
| [99.03](ex99-03.htm) | [Canopy Financial Technology Partners, LLC ("**Canopy**") Narrative](ex99-03.htm) | [Canopy Financial Technology Partners, LLC ("**Canopy**") Narrative](ex99-03.htm) |
|  | 1. | [Canopy Supplemental Data Report](ex99-03s1.htm) |
|  | 2. | [Canopy Business Purpose Supplement Report](ex99-03s2.htm) |
|  | 3. | [Canopy Rating Agency Grades Detail Report](ex99-03s3.htm) |
|  | 4. | [Canopy Rating Agency Grades Summary Report](ex99-03s4.htm) |
|  | 5. | [Canopy Valuation Report](ex99-03s5.htm) |
|  | 6. | [Canopy ATR or QM Report](ex99-03s6.htm) |
|  | 7. | [Canopy Data Compare Report](ex99-03s7.htm) |
| [99.04](ex99-04.htm) | [Clarifii LLC ("**Clarifii**") Narrative](ex99-04.htm) | [Clarifii LLC ("**Clarifii**") Narrative](ex99-04.htm) |
|  | 1. | [Clarifii Valuation Report](ex99-04s1.htm) |
|  | 2. | [Clarifii Supplemental Data Report](ex99-04s2.htm) |
|  | 3. | [Clarifii RA Grades Summary Report](ex99-04s3.htm) |
|  | 4. | [Clarifii RA Grades Detail Report](ex99-04s4.htm) |
|  | 5. | [Clarifii Data Compare Report](ex99-04s5.htm) |
|  | 6. | [Clarifii Business Purpose Report](ex99-04s6.htm) |
|  | 7. | [Clarifii ATR or QM Report](ex99-04s7.htm) |
| [99.05](ex99-05.htm) | [Maxwell Diligence Solutions, LLC ("**Maxwell**") Narrative](ex99-05.htm) | [Maxwell Diligence Solutions, LLC ("**Maxwell**") Narrative](ex99-05.htm) |
|  | 1. | [Maxwell Standard Exceptions Report](ex99-05s1.htm) |
|  | 2. | [Maxwell Grading Report](ex99-05s2.htm) |
|  | 3. | [Maxwell Valuation Report](ex99-05s3.htm) |
|  | 4. | [Maxwell Supplemental Data Report](ex99-05s4.htm) |
|  | 5. | [Maxwell Business Purpose Supplement Report](ex99-05s5.htm) |
|  | 6. | [Maxwell Data Compare Report](ex99-05s6.htm) |
| [99.06](ex99-06.htm) | [Digital Risk, LLC ("**Digital Risk**") Narrative](ex99-06.htm) | [Digital Risk, LLC ("**Digital Risk**") Narrative](ex99-06.htm) |
|  | 1. | [Digital Risk Findings Summary Report](ex99-06s1.htm) |
|  | 2. | [Digital Risk Findings Exception Report](ex99-06s2.htm) |
|  | 3. | [Digital Risk Rating Agency Report](ex99-06s3.htm) |
|  | 4. | [Digital Risk Valuation Report](ex99-06s4.htm) |
|  | 5. | [Digital Risk Summary Report](ex99-06s5.htm) |
|  | 6. | [Digital Risk Standard Report](ex99-06s6.htm) |
|  | 7. | [Digital Risk Supplemental Report](ex99-06s7.htm) |
|  | 8. | [Digital Risk Non-QM Supplemental Report](ex99-06s8.htm) |
| [99.07](ex99-07.htm) | [Evolve Mortgage Services ("**Evolve**") Narrative](ex99-07.htm) | [Evolve Mortgage Services ("**Evolve**") Narrative](ex99-07.htm) |
|  | 1. | [Evolve Rating Agency Grades Report](ex99-07s1.htm) |
|  | 2. | [Evolve Exception Detail Report](ex99-07s2.htm) |
|  | 3. | [Evolve Valuation Report](ex99-07s3.htm) |
|  | 4. | [Evolve Data Compare Report](ex99-07s4.htm) |
|  | 5. | [Evolve QM ATR Data Report](ex99-07s5.htm) |
|  | 6. | [Evolve Business Purpose Report](ex99-07s6.htm) |
|  | 7. | [Evolve Sample Grading Summary Report](ex99-07s7.htm) |
|  | 8. | [Evolve Additional Detail Summary Report](ex99-07s8.htm) |
|  | 9. | [Evolve Data Integrity Summary Report](ex99-07s9.htm) |
| [99.08](ex99-07.htm) | [Opus Capital Markets Consultants, LLC ("**Opus**") Narrative](ex99-08.htm) | [Opus Capital Markets Consultants, LLC ("**Opus**") Narrative](ex99-08.htm) |
|  | 1. | [Opus Standard Findings Detail Report](ex99-08s1.htm) |
|  | 2. | [Opus Rating Agency Grades Summary Report](ex99-08s2.htm) |
|  | 3. | [Opus ATR or QM Report](ex99-08s3.htm) |
|  | 4. | [Opus Supplemental Data Report](ex99-08s4.htm) |
|  | 5. | [Opus Business Purpose Report](ex99-08s5.htm) |
|  | 6. | [Opus Valuation Report](ex99-08s6.htm) |
|  | 7. | [Opus Data Compare Report](ex99-08s7.htm) |
| [99.09](ex99-09.htm) | [Selene Diligence LLC ("**Selene**") Narrative](ex99-09.htm) | [Selene Diligence LLC ("**Selene**") Narrative](ex99-09.htm) |
|  | 1. | [Selene Rating Agency Grades Summary Report](ex99-09s1.htm) |
|  | 2. | [Selene Standard Findings Report](ex99-09s2.htm) |
|  | 3. | [Selene Valuation Report](ex99-09s3.htm) |
|  | 4. | [Selene Rating Agency Multi-Property Valuation Report](ex99-09s4.htm) |
|  | 5. | [Selene MLS Report](ex99-09s5.htm) |
|  | 6. | [Selene Supplemental Data Report](ex99-09s6.htm) |
|  | 7. | [Selene Multi-Property Data Extract Report](ex99-09s7.htm) |
|  | 8. | [Selene Business Purpose Report](ex99-09s8.htm) |
|  | 9. | [Selene Data Compare Report](ex99-09s9.htm) |

---

## Exhibit 99.01

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

**Exhibit 99.01**

![](ex9901001.jpg)

 **EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Ellington Management Group, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from September 2025 through April 2026 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (19 loans) and the Business Purpose Scope (149 loans). The loans reviewed using the Credit and Compliance Scope and the Business Purpose Scope are referred to as the mortgage loans.

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

The initial population consisted of 168 mortgage loans.

The final population of the Review covered 168 mortgage loans totaling an aggregate original principal balance of approximately $68.254 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Prepayment Terms |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Original As-Is LTV | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Interest Rate |  |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Loan Amount |  |

---

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

1 \| Page

![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

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

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

2 \| Page

![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| Page

![](ex9901001.jpg)

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

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

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

---

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

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**DATA COLLECTION**

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

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

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

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

■ Underwriting summary / loan approval (1008);

■ Credit report;

■ Income and employment documentation;

■ 4506T;

■ Asset documentation;

■ Sales contract;

■ Hazard and/or flood insurance policies;

■ Copy of note for any junior liens;

■ Appraisal;

■ Title/Preliminary Title;

■ Final 1003;

■ Changed circumstance documentation;

■ Right of Rescission Disclosure;

■ Mortgage/Deed of Trust;

■ Note;

■ Mortgage Insurance;

■ Tangible Net Benefit Disclosure;

■ Subordination Agreement;

■ FACTA disclosures;

■ Notice of Special Flood Hazards;

■ Initial and final GFE's;

■ HUD from sale of previous residence;

■ Final HUD-1;

■ Initial TIL;

■ Final TIL;

■ Loan Estimates;

■ Closing Disclosures; and

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

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

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

11 \| Page

![](ex9901001.jpg)

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY** 

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;143 | &nbsp;&nbsp;85.12% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;25 | &nbsp;&nbsp;14.88% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**168** | &nbsp;&nbsp;**100.00%** |

---

12 \| Page

![](ex9901001.jpg)

**COMPLIANCE RESULTS SUMMARY**

Please note that one hundred forty-nine (149) Business Purpose were not subjected to a compliance review and did not receive a compliance grade. Six (6) mortgage loans reviewed by AMC have a Compliance grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;68.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;31.58% |
| &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;**19** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY** 

All one hundred sixty-eight (168) mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 88.10% of the mortgage loans by number have a Credit grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;148 | &nbsp;&nbsp;88.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;11.90% |
| &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;**168** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY** 

All one hundred sixty-eight (168) mortgage loans reviewed by AMC have a Property grade of "B" or higher and 100.00% of the mortgage loans by number have a Property grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;168 | &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;**168** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | TRID Defect | 4 |
| Compliance | B | Federal HPML | 2 |
| Compliance | B | ECOA | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***7*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **7** |
| Credit | B | Guideline | 17 |
| Credit | B | Borrower and Mortgage Eligibility | 3 |
| Credit | B | Missing Document | 3 |
| Credit | B | Credit | 2 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***25*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **25** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **0** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **32** |

---

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![](ex9901001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 168 mortgage loans reviewed, there were 213 different tape discrepancies across 18 data fields (some mortgage loans had more than one data delta). The largest variances were found on Borrower Last Name, Note Date and Contract Sales Price.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;154 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;134 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;34 | &nbsp;&nbsp;2.94% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;81 | &nbsp;&nbsp;164 | &nbsp;&nbsp;49.39% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;168 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;28 | &nbsp;&nbsp;134 | &nbsp;&nbsp;20.90% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;7 | &nbsp;&nbsp;57.14% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;134 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;134 | &nbsp;&nbsp;4.48% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;65 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;38 | &nbsp;&nbsp;151 | &nbsp;&nbsp;25.17% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;165 | &nbsp;&nbsp;0.61% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Original As-Is LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;5 | &nbsp;&nbsp;154 | &nbsp;&nbsp;3.25% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;168 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;137 | &nbsp;&nbsp;1.46% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;134 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Prepayment Terms | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;96 | &nbsp;&nbsp;7.29% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;154 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;8 | &nbsp;&nbsp;96 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;168 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;3 | &nbsp;&nbsp;168 | &nbsp;&nbsp;1.79% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;15 | &nbsp;&nbsp;67 | &nbsp;&nbsp;22.39% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;168 | &nbsp;&nbsp;1.19% | &nbsp;&nbsp;168 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**213** | &nbsp;&nbsp;**3139** | &nbsp;&nbsp;**6.79%** | &nbsp;&nbsp;**168** |

---

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![](ex9901001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Fixed | 168 | 100.00% | $68253520.00 | 100.00% |
| **Total** | **168** | **100.00%** | **$68253520.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 168 | 100.00% | $68253520.00 | 100.00% |
| **Total** | **168** | **100.00%** | **$68253520.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 99 | 58.93% | $37369998.00 | 54.75% |
| First Time Home Purchase | 8 | 4.76% | $3700665.00 | 5.42% |
| Other-than-first-time Home Purchase | 39 | 23.21% | $18913775.00 | 27.71% |
| Rate/Term Refinance - Borrower Initiated | 22 | 13.10% | $8269082.00 | 12.12% |
| **Total** | **168** | **100.00%** | **$68253520.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 168 | 100.00% | $68253520.00 | 100.00% |
| **Total** | **168** | **100.00%** | **$68253520.00** | **100.00%** |

---

15 \| Page

![](ex9901001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 89 | 52.98% | $34322676.00 | 50.29% |
| Condo, Low Rise | 12 | 7.14% | $3987757.00 | 5.84% |
| Condo, High Rise | 5 | 2.98% | $2074300.00 | 3.04% |
| PUD | 24 | 14.29% | $11363303.00 | 16.65% |
| 1 Family Attached | 1 | 0.60% | $136500.00 | 0.20% |
| 2 Family | 23 | 13.69% | $7743000.00 | 11.34% |
| 3 Family | 4 | 2.38% | $2024000.00 | 2.97% |
| 4 Family | 8 | 4.76% | $4715734.00 | 6.91% |
| 5-10 Unit Multi-Family | 2 | 1.19% | $1886250.00 | 2.76% |
| **Total** | **168** | **100.00%** | **$68253520.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 17 | 10.12% | $10595640.00 | 15.52% |
| Investment | 150 | 89.29% | $56861462.00 | 83.31% |
| Second Home | 1 | 0.60% | $796418.00 | 1.17% |
| **Total** | **168** | **100.00%** | **$68253520.00** | **100.00%** |

---

16 \| Page

## Exhibit 99.01

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

**Exhibit 99.01 - Schedule 1**

![](situs-logo.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 6/16/2026 1:14:55 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXX | 2125768 | XXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131546 | XXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132204 | XXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2131540 | XXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2132433 | XXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2151753 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2151755 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2151754 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2164750 | XXX |  |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| XXX | 2165776 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2165778 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2159511 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2159508 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2164758 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2164752 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2164754 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2165779 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2164759 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2164751 | XXX |  |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| XXX | 2164753 | XXX |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| XXX | 2164757 | XXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2165781 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2165777 | XXX |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| XXX | 2165782 | XXX |  |  | A |  | C | C | C | C | D | A | C D | A |  | A | A | A | A | A | A | A |  |
| XXX | 2165780 | XXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2160059 | XXX |  |  | B |  | A | A | A | A | A | A | B | A |  | A | A | A | A | A | A | A |  |
| XXX | 2160047 | XXX |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| XXX | 2160053 | XXX |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| XXX | 2160054 | XXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2160051 | XXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXX | 2160055 | XXX |  |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| XXX | 2160052 | XXX |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| XXX | 2160056 | XXX |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| XXX | 2160048 | XXX |  |  | C |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| XXX | 2160057 | XXX |  |  | A |  | C | C | C | C | D | A | C D | A |  | A | A | A | A | A | A | A |  |
| XXX | 2160058 | XXX |  |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| XXX | 2160060 | XXX |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| XXX | 2160050 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2160049 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142314 | XXX |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2142355 | XXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142377 | XXX |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2142372 | XXX |  |  | A |  |  |  |  |  |  | A | A | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2142395 | XXX |  |  | B |  |  |  |  |  |  | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142358 | XXX |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142399 | XXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142393 | XXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142361 | XXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142387 | XXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142356 | XXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142313 | XXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142389 | XXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142383 | XXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142392 | XXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2144101 | XXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2144114 | XXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2129442 | XXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142376 | XXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2144068 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142346 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142327 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142347 | XXX |  |  | B |  | N/A | N/A | N/A | N/A | N/A | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142325 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142328 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142379 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2144098 | XXX |  |  | C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142348 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2144073 | XXX |  |  | B |  | N/A | N/A | N/A | N/A | N/A | D | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2144078 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142326 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2144097 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142338 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142318 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2144060 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2144069 | XXX |  |  | C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2144079 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2144065 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2144067 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142336 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142334 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2145924 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2142349 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2144061 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2144070 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2158278 | XXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2158286 | XXX |  |  | B |  | N/A | N/A | N/A | N/A | N/A | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2158289 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2158287 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2158291 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2158283 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2158279 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2158281 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2158292 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A B | A B | A |  | N/A | N/A | N/A | N/A | N/A | A B | A B |  |
| XXX | 2158282 | XXX |  |  | C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2158284 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2158293 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2158294 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2158288 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2158280 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156870 | XXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156883 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156896 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156881 | XXX |  |  | C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2156880 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156890 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156889 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156878 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156895 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156891 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156886 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156873 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156877 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156888 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156874 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156887 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156892 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156871 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156894 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156885 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156875 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156876 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156884 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156872 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156868 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156869 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2156882 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2154359 | XXX |  |  | B |  |  |  |  |  |  | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2154357 | XXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2154352 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2154351 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2154356 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2154354 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2154353 | XXX |  |  | C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2154355 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2154349 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2155395 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2155422 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155424 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155405 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155409 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155401 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2155411 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155392 | XXX |  |  | B |  | N/A | N/A | N/A | N/A | N/A | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155414 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155406 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155394 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155416 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155412 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155419 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155425 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155415 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2155390 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155400 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155391 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155421 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A B | A B | A |  | N/A | N/A | N/A | N/A | N/A | A B | A B |  |
| XXX | 2155399 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155417 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155398 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155402 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155420 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155397 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155423 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A B | C | A |  | N/A | N/A | N/A | N/A | N/A | A B | A B |  |
| XXX | 2155413 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155403 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155407 | XXX |  |  | B |  | N/A | N/A | N/A | N/A | N/A | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| XXX | 2155410 | XXX |  |  | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155396 | XXX |  |  | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXX | 2155408 | XXX |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |

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## Exhibit 99.01

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

**Exhibit 99.01 - Schedule 2**

![](situs-logo.jpg)

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| |
|:---|
| **Exception Grades** |
| **Run Date - 6/16/2026 1:14:56 PM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXX | 2125768 | XXX |  | XXXX |  | Credit | Business Purpose | General | Business Purpose | The Non-Owner Occupied Certification was not signed by all required borrowers and thus casts doubt on the business purpose of the loan. |  | Certificate of Non-Owner Occupancy is missing from the file. |  |  |  | Reviewer Comment (2025-09-24): NOO Cert<br>Buyer Comment (2025-09-22): certificate<br>Buyer Comment (2025-09-22): Non-Owner | 09/24/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2131546 | XXX |  | XXXX |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for the borrowing entity and sub entity. |  |  |  | Reviewer Comment (2025-12-17): Provided OFAC search of borrowing business entity along with sub-entity. Exception cleared.<br>Buyer Comment (2025-12-15): fraud summary | 12/17/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2151753 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | Preliminary Title or Commitment was not provided. |  |  |  | Reviewer Comment (2026-03-25): Received Title commitment in trailing docs.<br>Buyer Comment (2026-03-19): Title Uploaded. | 03/25/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2151753 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Final Title Policy was not provided. |  |  |  | Reviewer Comment (2026-03-25): Received Title commitment in trailing docs.<br>Buyer Comment (2026-03-19): Evidence of Title uploaded. | 03/25/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2151753 | XXX |  | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Final Title Policy was not provided. |  |  |  | Reviewer Comment (2026-03-25): Received Title commitment in trailing docs.<br>Buyer Comment (2026-03-19): Evidence of title uploaded. | 03/25/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2151754 | XXX |  | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2026-03-25): Received HOA questionnaire in trailing docs.<br>Buyer Comment (2026-03-24): Condo Questionnaire and Budget confirming warrantable condo. | 03/25/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2151754 | XXX |  | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [redacted] days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Blanket policy expires on [redacted]. No renewal in the file. |  |  |  | Reviewer Comment (2026-03-25): Received proof of HOI renewal in trailing docs.<br>Buyer Comment (2026-03-19): HOI Renewal uploaded. Premium collected at closing.<br>Buyer Comment (2026-03-19): HOI Renewal | 03/25/2026 |  |  | 1 B A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2164750 | XXX |  | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender exception for LTV at [redacted]% with the borrower being self employed with their current company for [redacted]months without being previously in the same line of work. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-02): Client elects to waive with verified compensation factors |  |  | 04/02/2026 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2165776 | XXX |  | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-03-23): FTP provided | 03/23/2026 |  |  | 1 A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2165776 | XXX |  | XXXX |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss insurance of [redacted] months required |  |  |  | Reviewer Comment (2026-04-01): Agent confirmation provided regarding policy has [redacted] months rent loss insurance and correct policy number confirmed.<br>Reviewer Comment (2026-03-26): The LOE from the agent is not for this policy number. Policy is [redacted] per HOI.<br>Buyer Comment (2026-03-26): Please see the attached email from the insurance agent confirming the rent loss<br>Buyer Comment (2026-03-26): Please disregard the email I just uploaded at [redacted]PM, sorry<br>Buyer Comment (2026-03-26): Please see the attached email from the Insurance Agent on the rent loss | 04/01/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2165776 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | BP Cert in file for subject property is not completed nor signed and the signed and completed Business Purpose Cert in file is not for the subject property. |  |  |  | Reviewer Comment (2026-03-23): Completed and signed BP cert provided<br>Buyer Comment (2026-03-19): See the attached business purpose document | 03/23/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2165776 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Blanket lien on title #[redacted]. |  |  |  | Reviewer Comment (2026-03-23): Clear FTP provided<br>Reviewer Comment (2026-03-23): Item #[redacted] on the title policy provided to the DD at time of review reflects a blanket policy.<br>Buyer Comment (2026-03-19): See the attached Final Title Policy. Regarding Item #[redacted], This is hard coded information on [redacted] files for our underwriter. Since we are issuing the long form. It doesn't apply. Also, the Exceptions from Coverage and Express Insurance in Schedule B of the [redacted] Short Form Residential Loan Policy (T-2R). (Applies to [redacted] Short Form Residential Loan Policy (T-2R) only. Separate exceptions [redacted] through [redacted] of this Schedule B do not apply to the [redacted] Short Form Residential Loan Policy (T-2R). | 03/23/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2159511 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2026-03-04): PPP provided<br>Buyer Comment (2026-03-04): Prepayment addendum | 03/04/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXX | 2159511 | XXX |  | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Lender attesation on if condo is warrantable or not was not provided. |  |  |  | Reviewer Comment (2026-03-04): New attestation provided stating condo is deemed warrantable and UW made an error when stating non-warrantable per client email.<br>Buyer Comment (2026-03-04): 1008 states non-warrantable<br>Reviewer Comment (2026-03-03): The condition is not asking for a checklist. The condition is stating an attesation needs to be provided as to whether the condo is warrantable or not.<br>Buyer Comment (2026-03-02): Project is less than [redacted] units and the checklist is not required. please see guidelines. thanks | 03/04/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXX | 2159511 | XXX |  | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2026-03-10): Final HUD provided for C/O proceeds from additional owned REO<br>Buyer Comment (2026-03-10): this should clear both open conditions, we are doing both loans so you do already have this documentation<br>Reviewer Comment (2026-03-03): The condition cannot be cleared. If another transactions C/O was utilized for closing, then the final stamped settlement statement must be provided for this transaction.<br>Buyer Comment (2026-03-02): The reserves for this one came from the cash out from the other loan [redacted]that closed concurrently with this one. Please clear | 03/10/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXX | 2159511 | XXX |  | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2026-03-10): Final HUD provided for C/O proceeds from additional owned REO<br>Reviewer Comment (2026-03-03): The condition cannot be cleared. If another transactions C/O was utilized for closing, then the final stamped settlement statement must be provided for this transaction. | 03/10/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXX | 2159511 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2026-03-04): COGS provided<br>Buyer Comment (2026-03-03): cert of good standing<br>Reviewer Comment (2026-03-03): The COGS provided is not for the Borrowing Entity. Borrowing Entity is [redacted].<br>Buyer Comment (2026-03-02): cert of good standing | 03/04/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXX | 2159511 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Single entity ownership in project up to [redacted]% | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-03): Client elects to waive with verified compensation factors<br>Buyer Comment (2026-03-02): Exception |  |  | 03/03/2026 | 2 B |  | XX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXX | 2159511 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor concentration in project up to [redacted]% | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-03): Client elects to waive with verified compensation factors<br>Buyer Comment (2026-03-02): Exception |  |  | 03/03/2026 | 2 B |  | XX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXX | 2159511 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | 1008 provided post review noting condo is Non-Warrantable. The following documents are required per page [redacted]of the guidelines. 1) A completed [redacted] HOA Certification is required 2) HOA Budget must include a dedicated line-item allocation to replacement reserves of at least [redacted]% of the budget. Exceptions can be considered if the reserve study and current "Reserve balance sheet" shows an excessive of reserves collected. |  |  |  | Reviewer Comment (2026-03-05): New attestation provided stating condo is deemed warrantable and UW made an error when stating non-warrantable per client email.<br>Buyer Comment (2026-03-04): This is a warrantable condo. See attached | 03/05/2026 |  |  | 1 A |  | XX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXX | 2164758 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The file was missing a copy of the Corporate Resolution. |  |  |  | Reviewer Comment (2026-04-29): Received corporate resolution signed by all the members of the borrowing business entity. Exception cleared.<br>Buyer Comment (2026-04-28): Please see the attached | 04/29/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2164758 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guarantee Agreement received without borrower signature. |  |  |  | Reviewer Comment (2026-04-28): Received signed guarantee agreement. Exception cleared.<br>Buyer Comment (2026-04-27): Please see the attached Guaranty - signed and notarized | 04/28/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2164751 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation as well as appraisal has a completion dated at closing. |  |  |  | Reviewer Comment (2026-03-17): Prelim appraisal with delivery provided | 03/17/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2164751 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | Appraisal has a completion date at closing |  |  |  | Reviewer Comment (2026-03-17): Prelim appraisal with delivery provided<br>Reviewer Comment (2026-03-13): Appraisal deliveries provided, however it does not clear this condition. Please review original condition. Appraisal has a completion date at closing. Provide the appraisal with a completion date prior to closing (prior to any updates).<br>Buyer Comment (2026-03-12): See the last attached Delivery Cert<br>Buyer Comment (2026-03-12): See the attached Deliver Cert<br>Buyer Comment (2026-03-12): Please see the attached Delivery Cert. The other two will follow | 03/17/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2164751 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-03-17): Prelim appraisal with delivery provided | 03/17/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2164751 | XXX |  | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide the source of the large deposit into account #[redacted]for $[redacted]on [redacted]. |  |  |  | Reviewer Comment (2026-03-04): Source provided | 03/04/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2164751 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | A valid reason was not provided for LPC to BPC. |  |  |  | Reviewer Comment (2026-03-25): [redacted]received additional information on change in pricing due to borrower eligibility<br>Reviewer Comment (2026-03-18): [redacted]received updated CD and Changed Circumstance dated [redacted]with rebuttal comment indicates "Compensation switched from lender paid to borrower paid. Additionally provided [redacted]COC in the loan file indicates rate is locked discount .[redacted]. However, rate was lock with [redacted]% on [redacted]and corresponding [redacted]LE also provided in the file. Hence, [redacted]also required additional information as to why the compensation was switched on [redacted]LE and was not known prior to and at initial application disclosure. If there was an additional reason the fee was changed from lender paid to borrower paid, we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure.<br>Buyer Comment (2026-03-16): Attached | 03/25/2026 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXX | 2164751 | XXX |  | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Third party verification of SE dated within [redacted]days prior to closing not provided for B2. |  |  |  | Reviewer Comment (2026-03-06): Received and associated Third Party Verification. Exception cleared.<br>Buyer Comment (2026-03-04): Please see the attached VOE for [redacted] | 03/06/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2164751 | XXX |  | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Departure Residence Rental Income: Provide the security deposit and [redacted]month's rent. |  |  |  | Reviewer Comment (2026-04-02): LOE provided on proration of rents<br>Buyer Comment (2026-04-01): LOE<br>Reviewer Comment (2026-03-17): An LOE from the Loan Officer is not acceptable. As noted on [redacted], this must come from the landlord listed on the lease agreement that the [redacted]st month's rent was prorated as the lease does not reflect anything in regards to this.<br>Buyer Comment (2026-03-16): [redacted]months rent was prorated.<br>Reviewer Comment (2026-03-06): Lease agreement provided and proof of security deposit. However, a full [redacted] month rent is required. The lease has a start date of [redacted], the lease requires $[redacted] for first month's rent, and there is no evidence the landlord allowed pro-rated rent or when the borrower moved in. If the landlord can attest only $[redacted] pro rate rent was required for the [redacted]st month's rent, then it will be acceptable.<br>Buyer Comment (2026-03-04): Please see the attached lease agreement<br>Buyer Comment (2026-03-04): Please see the attached proof of deposit. The renter paid $[redacted]security deposit with a $[redacted] prorated [redacted]st month's rent as they moved in on [redacted] [redacted]th. Total, $[redacted]<br>Buyer Comment (2026-03-04): Please see the attached cashier's check | 04/02/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2164751 | XXX |  | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2026-03-04): Funds to close wires provided | 03/04/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2164751 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-03-17): Client elects to waive |  |  | 03/17/2026 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2164753 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2026-04-27): Preliminary appraisal provided. | 04/27/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2164753 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2026-04-23): Received appraisal deliver receipt.<br>Buyer Comment (2026-04-21): Please see the other Delivery Cert<br>Buyer Comment (2026-04-21): Please see the Delivery Cert. The other one will follow. These apply to Exception # [redacted]. | 04/23/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2164753 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2026-04-27): Preliminary appraisal provided.<br>Reviewer Comment (2026-04-24): Required complete [redacted] document for revised appraisal. Exception Remains.<br>Buyer Comment (2026-04-23): see attached<br>Buyer Comment (2026-04-23): That was a revised appraisal, and the value did not change. The attached show it was delivered prior to [redacted] days.<br>Reviewer Comment (2026-04-23): The [redacted]valuation was not provided to applicant ([redacted]) business days prior to consummation. This is an HPML loan.<br>Buyer Comment (2026-04-21): Please see both Delivery Certs that were attached for Exception # [redacted] | 04/27/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2164753 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2026-04-27): EV 2 |  |  | 04/27/2026 | 2 B |  | XX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXX | 2165781 | XXX |  | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Based on the STR at [redacted]%, the DSCR is less than [redacted]%. Loan only qualifies for a [redacted]% LTV. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2026-05-11): Client elects to waive with compensating factors.<br>Reviewer Comment (2026-05-11): Lender exception approval provided for LTV greater than [redacted]%.<br>Buyer Comment (2026-05-07): see attached |  |  | 05/11/2026 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2165777 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-05-06): [redacted]received LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-05-05): see attached loe- waiting on cure check and proof of mailing.<br>Reviewer Comment (2026-04-30): [redacted]received refund check and LOE. Missing proof of mailing.<br>Buyer Comment (2026-04-29): we will provide updated LOE w/ new amt prior to mailing. (addtl cure)<br>Buyer Comment (2026-04-29): see attached |  | 05/06/2026 |  | 2 C B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXX | 2165777 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-05-08): [redacted]received LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-05-07): see attached XXXX tracking<br>Reviewer Comment (2026-05-06): [redacted]received LOE and copy of refund check. XXXX tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2026-05-05): see attached cure ck and proof mailing |  | 05/08/2026 |  | 2 C B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XXX | 2165782 | XXX |  | XXXX |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | [redacted]Constitution Section [redacted](a)([redacted]): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  |  | Reviewer Comment (2026-05-14): Received [redacted] Cash-out Fair Market Acknowledgment signed and dated By Lender. Exception cleared.<br>Buyer Comment (2026-05-12): see attached [redacted] disc<br>Reviewer Comment (2026-05-11): The Acknowledgment of the Fair Market Value disclosure is not signed and dated by the Lender.<br>Buyer Comment (2026-05-07): see attached [redacted] Disc | 05/14/2026 |  |  | 1 C A D |  | XX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | Non QM | Non QM | No |
| XXX | 2165780 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-05-11): Sufficient Cure Provided At Closing |  | 05/11/2026 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XXX | 2160059 | XXX |  | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title coverage is less than the loan amount. Provide a current copy of the preliminary, commitment, or final title. |  |  |  | Reviewer Comment (2026-03-16): Received Supplemental<br>Buyer Comment (2026-03-16): Please see updated Title Policy with corrected loan amount. | 03/16/2026 |  |  | 1 B A |  | XX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXX | 2160059 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The credit report fee was disclosed to the borrower on the LE as $[redacted] the final CD shows the credit report fee as $[redacted]however, there was a lender credit to cover the cost to cure. |  |  |  | Reviewer Comment (2026-03-12): Sufficient Cure Provided At Closing |  | 03/12/2026 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXX | 2160047 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Fee tolerance violation caused by the appearance of the Survey Fee. The fee was not disclosed on the Loan Estimate and there is no valid change of circumstance for the fee or a cure in file. |  |  |  | Reviewer Comment (2026-04-08): [redacted]received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-04-07): see pccd. lox, copy of check and fed ex<br>Reviewer Comment (2026-04-05): [redacted]is unable to determine from the file whether the lender or title company requried the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2026-04-02): Please see email from [redacted] regarding fees |  | 04/08/2026 |  | 2 C B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXX | 2160053 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least ([redacted]) business days prior to closing. | Initial Closing Disclosure not provided to Borrower at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2026-03-25): [redacted]received initial CD.<br>Buyer Comment (2026-03-24): CD | 03/25/2026 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXX | 2160053 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-18): Sufficient Cure Provided At Closing |  | 03/18/2026 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXX | 2160053 | XXX |  | XXXX |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2026-03-26): Received<br>Buyer Comment (2026-03-24): e-consent | 03/26/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2160053 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | The rate lock is mising in the file. |  |  |  | Reviewer Comment (2026-03-24): Received<br>Buyer Comment (2026-03-20): rate lock | 03/24/2026 |  |  | 1 B A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2160053 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2026-04-03): Received<br>Buyer Comment (2026-04-01): APPR delivery fort he [redacted]st APPR<br>Buyer Comment (2026-04-01): [redacted]st appraisal<br>Reviewer Comment (2026-03-24): Received evidence borrower received other appraisal, please provide other appraisal as document provided shows it was provided to borrower prior to completion<br>Buyer Comment (2026-03-20): APPR BWR's receipt proof | 04/03/2026 |  |  | 1 B A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2160053 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation. | Corrected Closing Disclosure issued on [redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2026-04-02): [redacted]received CD.<br>Buyer Comment (2026-04-01): Cd dated [redacted] | 04/02/2026 |  |  | 1 A |  | XX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXX | 2160054 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | $[redacted] cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-18): Sufficient Cure Provided At Closing |  | 03/18/2026 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXX | 2160055 | XXX |  | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-05-05): Lender exception in file<br>Reviewer Comment (2026-05-05): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted].<br>Reviewer Comment (2026-03-20): Lender exception approval in file |  |  | 05/05/2026 | 2 B |  | XX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXX | 2160052 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial CD is more than [redacted]business days. |  |  |  | Reviewer Comment (2026-04-02): [redacted]received CD dated [redacted].<br>Buyer Comment (2026-04-01): See attached Initial CD and proof of delivery | 04/02/2026 |  |  | 1 C A |  | XX | Second Home | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXX | 2160052 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | No cure was provided. |  |  |  | Reviewer Comment (2026-04-02): [redacted] received valid COC document.<br>Buyer Comment (2026-04-01): See attached VCOC and proof of PCCD delivery | 04/02/2026 |  |  | 1 C A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXX | 2160052 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted] tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. |  |  |  | Reviewer Comment (2026-04-02): [redacted] received CD and LOE<br>Buyer Comment (2026-04-01): Please see attached PCCD correcting placement of the title notary fee. Borrower shopped for title services. 10% tolerance does not apply.<br>Buyer Comment (2026-04-01): Please see attached PCCD correcting placement of the title notary fee. Borrower shopped for title services. [redacted]% tolerance does not apply. | 04/02/2026 |  |  | 1 C A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXX | 2160056 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation failure due to the missing VOE for the borrower's current wage income. |  |  |  | Reviewer Comment (2026-04-02): Received VVOE<br>Buyer Comment (2026-03-30): [redacted] guidelines [redacted]do not require third party to confirm income, this guideline states: ..'provide most recent [redacted] days pay stubs and w2s' and a VVOE [redacted]days prior to closing'. We have provided income documentation and the VVOE [redacted] days prior to closing. VVOE is required to only confirm borrower is still currently employed.<br>Buyer Comment (2026-03-30): Borrower VVOE 2 days prior to closing, [redacted] | 04/02/2026 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| XXX | 2160056 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Borrower's current wage income is missing a valid VOE dated within [redacted]days of the Note. |  |  |  | Reviewer Comment (2026-04-02): Received VVOE<br>Buyer Comment (2026-03-30): [redacted] guidelines [redacted] do not require third party to confirm income, this guideline states: ..'provide most recent [redacted] days pay stubs and w2s' and a VVOE [redacted]days prior to closing'. We have provided income documentation and the VVOE [redacted] days prior to closing. VVOE is required to only confirm borrower is still currently employed.<br>Buyer Comment (2026-03-30): Borrower VVOE 2 days prior to closing, [redacted] | 04/02/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2160056 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Ability to Repay failure due to the missing VOE for the borrower's current wage income. |  |  |  | Reviewer Comment (2026-04-02): Received VVOE | 04/02/2026 |  |  | 1 A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2160056 | XXX |  | XXXX |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) North Carolina Rate Spread Home Loan (Ability to Repay Requirements Not Met) | [redacted]a Rate Spread Home Loan: Ability to repay requirements not met. | Ability to Repay failure due to the missing VOE for the borrower's current wage income. |  |  |  | Reviewer Comment (2026-04-02): Received VVOE<br>Buyer Comment (2026-03-30): [redacted] guidelines [redacted] do not require third party to confirm income, this guideline states: ..'provide most recent [redacted]days pay stubs and w2s' and a VVOE [redacted]days prior to closing'. We have provided income documentation and the VVOE 2 days prior to closing. VVOE is required to only confirm borrower is still currently employed.<br>Buyer Comment (2026-03-30): Borrower VVOE 2 days prior to closing, [redacted] | 04/02/2026 |  |  | 1 C A |  | XX | Primary | Purchase | See any available cure under the North Carolina Rate Spread Home Loan threshold exception. A | Non QM | Non QM | No |
| XXX | 2160056 | XXX |  | XXXX |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Rate Spread Threshold Test Non-Compliant | [redacted] Rate Spread Home Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Rate Spread Home Loan. | Subject transaction is non-compliant due to the missing third-party verification or VOE for the borrower's active wage income. |  |  |  | Reviewer Comment (2026-04-02): Received VVOE<br>Buyer Comment (2026-03-30): [redacted] guidelines [redacted] do not require third party to confirm income, this guideline states: ..'provide most recent [redacted]days pay stubs and w2s' and a VVOE [redacted]days prior to closing'. We have provided income documentation and the VVOE [redacted]days prior to closing. VVOE is required to only confirm borrower is still currently employed.<br>Buyer Comment (2026-03-30): VVOE completed [redacted] days prior to closing | 04/02/2026 |  |  | 1 C A |  | XX | Primary | Purchase | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. <br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| XXX | 2160056 | XXX |  | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | There is no VOE provided for the borrower's wage income. A VOE dated within [redacted]days of the Note is required. |  |  |  | Reviewer Comment (2026-04-02): Received<br>Buyer Comment (2026-03-30): [redacted] guidelines [redacted] do not require third party to confirm income, this guideline states: ..'provide most recent [redacted]days pay stubs and w2s' and a VVOE [redacted]days prior to closing'. We have provided income documentation and the VVOE 2 days prior to closing. VVOE is required to only confirm borrower is still currently employed.<br>Buyer Comment (2026-03-30): VVOE for borrower completed [redacted]days prior to closing. | 04/02/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2160056 | XXX |  | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]calendar days of the Note. |  | There is no VOE provided for the borrower's wage income. A VOE dated within [redacted]days of the Note is required. |  |  |  | Reviewer Comment (2026-04-02): Received<br>Buyer Comment (2026-03-30): [redacted] guidelines [redacted] do not require third party to confirm income, this guideline states: ..'provide most recent [redacted] days pay stubs and w2s' and a VVOE [redacted]days prior to closing'. We have provided income documentation and the VVOE [redacted]days prior to closing. VVOE is required to only confirm borrower is still currently employed.<br>Buyer Comment (2026-03-30): VVOE completed for borrower [redacted]days prior to closing. | 04/02/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2160056 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Ability to Repay failure is due to the missing VOE for the borrower's current wage income. VOE must be dated within [redacted]days of the Note. |  |  |  | Reviewer Comment (2026-04-02): Received VVOE<br>Buyer Comment (2026-03-30): [redacted] guidelines [redacted] do not require third party to confirm income, this guideline states: ..'provide most recent [redacted]days pay stubs and w2s' and a VVOE [redacted]days prior to closing'. We have provided income documentation and the VVOE [redacted]days prior to closing. VVOE is required to only confirm borrower is still currently employed.<br>Buyer Comment (2026-03-30): VVOE completed [redacted]days prior to closing | 04/02/2026 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXX | 2160048 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-04-02): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-04-01): See attached PCCD, LOE refund check and Fed Ex label. |  | 04/02/2026 |  | 2 C B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXX | 2160048 | XXX |  | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Note address discloses the subject City Name as [redacted]while the Hazard document uses a City Name as [redacted]. Correct determination of the City Name and updated documentation is required. |  |  |  | Reviewer Comment (2026-03-31): Received Zip Code lookup<br>Buyer Comment (2026-03-31): See attached [redacted] is in [redacted]. | 03/31/2026 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2160048 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed borrower to be self employed for less than [redacted]months | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-30): Lender approved exception in file |  |  | 03/30/2026 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2160048 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower provided less than [redacted]months bank statements ([redacted] months provided) | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-30): Lender approved exception in file |  |  | 03/30/2026 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2160057 | XXX |  | XXXX |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | [redacted]Constitution Section [redacted](a)(6[redacted]: Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  |  | Reviewer Comment (2026-04-10): Received<br>Buyer Comment (2026-04-08): Fully executed [redacted] Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | 04/10/2026 |  |  | 1 C A D |  | XX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | Non QM | Non QM | Yes |
| XXX | 2160058 | XXX |  | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The Business bank statement for [redacted]for acct#[redacted]used to calculate the income is missing in the file. |  |  |  | Reviewer Comment (2026-04-08): Received Account Statements - Business. Exception Cleared<br>Buyer Comment (2026-04-06): [redacted] statement | 04/08/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C B A | N/A | Exempt from ATR | No |
| XXX | 2160058 | XXX |  | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | The Business bank statement for [redacted]for acct#[redacted]used to calculate the income is missing in the file. |  |  |  | Reviewer Comment (2026-04-08): Received Account Statements - Business. Exception Cleared<br>Buyer Comment (2026-04-06): [redacted] bank statement | 04/08/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C B A | N/A | Exempt from ATR | No |
| XXX | 2160058 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender allowed a rural property, and the occupancy is investment for the open road program. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-03): Lender exception approval in file |  |  | 04/03/2026 | 2 B |  | XX | Investment | Purchase | C B A | N/A | Exempt from ATR | No |
| XXX | 2160060 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. Note date [redacted] - Revision date [redacted], Less than [redacted] business days |  |  |  | Buyer Comment (2026-04-13): Please waive EV 2 |  |  | 04/13/2026 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2160060 | XXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Missing E Consent |  |  |  | Reviewer Comment (2026-04-14): [redacted]received disclosures summary. LE sent via fulfilment.<br>Buyer Comment (2026-04-13): See attached Initial Disclosures sent via mail within [redacted] days. | 04/14/2026 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXX | 2142314 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | File is missing Certificate of Good Standing dated no more than [redacted] days from the Note date. |  |  |  | Reviewer Comment (2025-10-16): Received COGS<br>Buyer Comment (2025-10-14): COGS | 10/16/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2142314 | XXX |  | XXXX |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is required for all parties involved in the transaction - business entity is missing from report in file. |  |  |  | Reviewer Comment (2025-10-16): OFAC received<br>Buyer Comment (2025-10-14): see attached fraud<br>Buyer Comment (2025-10-14): fraud | 10/16/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2142314 | XXX |  | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Loan amount $[redacted]does not meet minimum loan amount required of $[redacted]. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [redacted]. | Debt Service Coverage Ratio: [redacted]<br> Guideline Requirement: [redacted] | Originator,SitusAMC | Reviewer Comment (2025-10-16): Waived with compensating factors per lender exception approval received in trailing docs.<br>Buyer Comment (2025-10-14): exception |  |  | 10/16/2025 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2142377 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Approved: Concurrent is open with loan amount, Total loan amount is above $[redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br> # of Properties Completed: [redacted]<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited): | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-11-05): Waived with compensating factors per lender exceptions approval at origination. |  |  | 11/05/2025 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXX | 2142372 | XXX |  | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. |  | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower's Experience/Track Record | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>Borrower's Experience/Track Record. The borrower has [redacted] Years of Experience. Currently holds [redacted] Properties and has Completed [redacted] Properties. | Originator,SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2026-01-27): Waived with compensating factors per lender approved exception post-consummation.<br>Buyer Comment (2026-01-26): Please see attached exception. |  |  | 01/27/2026 | 2 B |  | XX | Investment | Refinance - Rate/Term | A B |  | N/A | No |
| XXX | 2142395 | XXX |  | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Coverage is disclosed as $[redacted]which is less than Original Loan Amount. |  |  |  | Reviewer Comment (2025-11-19): Updated title commitment.<br>Buyer Comment (2025-11-17): title | 11/19/2025 |  |  | 1 B A |  | XX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXX | 2142358 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide appraisal invoice for transferred appraisal. |  |  |  | Reviewer Comment (2025-11-29): Appraisal invoice received<br>Buyer Comment (2025-11-25): appraisal invoice | 11/29/2025 |  |  | 1 C A D |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2142399 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The operating agreement does not state an authorized signer, all entity owners must apply as a borrower and complete 1003 as an individual applicant and credit qualify. |  |  |  | Reviewer Comment (2025-11-24): Cancelled per Operating Agreement verbiage, the managers have authority to bind. Corp Resolution provided giving signing authority to 1 member.<br>Buyer Comment (2025-11-20): Please see previously stated comments and attached<br>Buyer Comment (2025-11-20): [redacted]-Operating agreements are not legally required in the state of [redacted] Please see attached documentation giving borrower authorization to act solely on behalf of the business | 11/24/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142313 | XXX |  | XXXX |  | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. |  | Missing OFAC for the business entity. |  |  |  | Reviewer Comment (2026-01-12): OFAC document is received - Exception cleared.<br>Buyer Comment (2026-01-08): Clear OFAC attached. Thank you.<br>Reviewer Comment (2025-12-23): OFAC for the business entity is still missing on fraud report. Exception remains.<br>Buyer Comment (2025-12-19): Please see fraud guard report with all clear ofac runs. Thank you. | 01/12/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142313 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The signature block on the Note and Security Instrument does not match the entity name on the filed documents provided. If updated Note and Mortgage will be provided, please reach out for cure instructions. |  |  |  | Reviewer Comment (2026-03-20): Corrected Note, Recorded Security Instrument and destroyed Note affidavit received in trailing docs.<br>Buyer Comment (2026-03-18): Please see attached. Thank you.<br>Reviewer Comment (2026-03-13): Received corrected Security Instrument. Require Letter of Explanation and proof of delivery of the updated Note, Security Instrument and Guaranty Agreement to the borrower, and destroyed Note affidavit for the incorrect Note that was originally provided. Exception remains.<br>Buyer Comment (2026-03-11): Please see corrected mtg attached. Thank you.<br>Reviewer Comment (2026-02-20): Received corrected Note and updated Guarantor Agreement; however, the following will be required for review of this condition: Corrected Security Instrument (as it still lists the incorrect borrowing entity on Page 1 and on the signature pages), notice of intent to record the corrected SI, LOE and proof of delivery of the updated Note and Guaranty Agreement to the borrower, and destroyed Note affidavit for the incorrect Note that was originally provided.<br>Buyer Comment (2026-02-19): Please see Guaranty attached. Thank you.<br>Buyer Comment (2026-02-19): Please see corrected Note attached. Thank you. | 03/20/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142313 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Limited Partnership Agreement not provided |  | Limited Partnership Agreement not provided. |  |  |  | Reviewer Comment (2026-03-06): Limited Partnership Agreement received and verified the details. Exception Cleared.<br>Buyer Comment (2026-03-04): Please see attached. Thank you.<br>Reviewer Comment (2026-02-20): To be re-reviewed when updated closing package is received.<br>Buyer Comment (2026-02-19): Please see attached Guaranty. Thank you.<br>Buyer Comment (2026-02-19): Please see corrected Note attached. Thank you.<br>Reviewer Comment (2026-01-23): Require Limited Partnership Agreement for the entity [redacted], a [redacted], provided agreement is for the [redacted]Exception Remains.<br>Buyer Comment (2026-01-21): Please see attached. Thank you.<br>Reviewer Comment (2025-12-23): Require Limited Partnership Agreement for the entity [redacted]Family, a [redacted], provided agreement is for the T[redacted]. Exception Remains.<br>Buyer Comment (2025-12-19): See attached from the operating agreement.<br>Buyer Comment (2025-12-19): Please note section [redacted] that reflects the only partner is the Borrower & section [redacted] that reflects the Borrower aka "General Partner" has the authority to manage & control the business affairs of the partnership. Thank you. Also, there is no corp resolution in a "Limited Partnership". Thank you. | 03/06/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142313 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2026-03-13): Received corrected Note and security instrument with the borrowing business entity name as [redacted], Limited Partnership. Limited Partnership agreement is already provided. Exception cleared.<br>Buyer Comment (2026-03-11): Please see corrected mortgage. Thank you.<br>Buyer Comment (2026-03-11): The documents for this file have been corrected. The finding below is inaccurate as loan was not to be closed in entity [redacted], a [redacted]. Thank you.<br>Reviewer Comment (2025-12-23): Require Limited Partnership Agreement for the entity [redacted], a [redacted]Limited Partnership, provided agreement is for the [redacted]. Exception Remains.<br>Buyer Comment (2025-12-19): See attached from the operating agreement.<br>Buyer Comment (2025-12-19): Please note section [redacted] that reflects the only partner is the Borrower & section [redacted]that reflects the Borrower aka "[redacted]" has the authority to manage & control the business affairs of the partnership. Thank you. Also, there is no corp resolution in a "Limited Partnership". Thank you. | 03/13/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142392 | XXX |  | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | The File Contains an estimated closing statement only. The Final Executed HUD is Required. |  |  |  | Reviewer Comment (2025-12-15): Received executed final statement. Exception cleared.<br>Buyer Comment (2025-12-11): Please see attached Final SS | 12/15/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142376 | XXX |  | XXXX |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Zip code discrepancy on the Note is [redacted]and on flood certificate is [redacted] |  |  |  | Reviewer Comment (2026-01-09): Provided flood certificate with correct zip code. Exception cleared.<br>Buyer Comment (2026-01-07): Flood Certificate with corrected Zip Code. | 01/09/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2142346 | XXX |  | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The ID documentation (license, passport, Visa) does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Loan approved as an investment property, however, the address on borrower's driver's license is the same as the subject property address. Please provide a letter of explanation regarding the reason for the same address. |  |  |  | Reviewer Comment (2026-02-19): Borrower LOE received detailing reason for address on license matching subject property.<br>Buyer Comment (2026-02-19): LOE regarding reason for the same address attached. | 02/19/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142347 | XXX |  | XXXX |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | All open liens and judgments are required to be paid at or prior to closing. |  |  |  | Reviewer Comment (2026-03-03): Cleared with evidence of satisfaction.<br>Reviewer Comment (2026-03-03): Received Satisfaction of Lien or Judgment however require full pages for Judgment $[redacted]to be paid at or prior to closing. Exception Remains.<br>Buyer Comment (2026-02-27): [redacted] | 03/03/2026 |  |  | 1 B A |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2142379 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The file is missing the final HUD-1. Copy in file is an estimate. |  |  |  | Reviewer Comment (2026-03-06): Executed Final Closing Statement received and verified the details. Exception Cleared.<br>Buyer Comment (2026-03-04): Final SS<br>Buyer Comment (2026-03-04): PFA as requested | 03/06/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2142379 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a [redacted]month pay history from loan paid off at closing. ([redacted]). |  |  |  | Reviewer Comment (2026-03-06): Credit supplement received. Account number and balance for second entry on credit supplement match account number and balance of payoff statement. Further, creditor on payoff statement purchased creditor on credit supplement in [redacted].<br>Reviewer Comment (2026-03-06): The provided credit supplement was already available on file at initial review, and the mortgage history was provided for another REO [redacted][redacted]. Please provide [redacted]months pay history for subject property. Exception remains.<br>Buyer Comment (2026-03-04): credit supplement | 03/06/2026 |  |  | 1 C A D |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2144098 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a [redacted]month mortgage history from [redacted] verifying timely payments. |  |  |  | Reviewer Comment (2026-03-17): No new document received. Previous loan was closed in the month of [redacted] [redacted]which can be verified with fraud report & credit report. Current loan on primary residence was originated in the month of [redacted] [redacted]. Exception cleared.<br>Buyer Comment (2026-03-13): loan closed in [redacted][redacted]. first payment would not be due until [redacted] [redacted].<br>Reviewer Comment (2026-03-12): Verified Mortgage history till [redacted] and [redacted] to [redacted] month payment for current residence. Require [redacted] month payment history in the file. Exception Remains.<br>Buyer Comment (2026-03-10): Previous mtg history reported on credit report D0099 XXXX #[redacted]<br>Buyer Comment (2026-03-10): transferred to [redacted] #[redacted]reported on credit report [redacted]<br>Buyer Comment (2026-03-10): mtg statement<br>Buyer Comment (2026-03-10): SS | 03/17/2026 |  |  | 1 C A D |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2144073 | XXX |  | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2026-03-16): Received Secondary Valuation. Exception Cleared.<br>Reviewer Comment (2026-03-12): CDA provided is not for this loan. It is for a different property.<br>Buyer Comment (2026-03-12): CDA | 03/16/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A B |  | N/A | No |
| XXX | 2144073 | XXX |  | XXXX |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Provide evidence the open Lien/Judgment on Fraud Report from [redacted] has been satisfied and released. |  |  |  | Reviewer Comment (2026-03-12): Satisfaction provided with matching case number.<br>Reviewer Comment (2026-03-12): Received Satisfaction of lien or judgment however Case number does not match with filing number. Exception Remains.<br>Buyer Comment (2026-03-10): case dismissed | 03/12/2026 |  |  | 1 B A |  | XX | Investment | Refinance - Cash-out - Other | D A B |  | N/A | No |
| XXX | 2144078 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the OFAC report for the Trust. |  |  |  | Reviewer Comment (2026-03-13): Received OFAC for the trust. Exception cleared.<br>Buyer Comment (2026-03-11): fraud summary | 03/13/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2144097 | XXX |  | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-03-17): Received Occupancy Certificate. Exception Cleared.<br>Buyer Comment (2026-03-13): Please see form completed in section [redacted]. Thank you. | 03/17/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2142318 | XXX |  | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as Section [redacted]A is missing the principal residence address. |  |  |  | Reviewer Comment (2026-03-13): Received complete Non-Owner Occupancy Declaration. Exception cleared.<br>Buyer Comment (2026-03-11): Non-Owner | 03/13/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2142318 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is an estimated closing statement. |  |  |  | Reviewer Comment (2026-03-13): Received certified copy of closing statement. Exception cleared.<br>Buyer Comment (2026-03-11): Final SS | 03/13/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2144060 | XXX |  | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as Section [redacted]A is missing the principal residence address. |  |  |  | Reviewer Comment (2026-03-18): Received Certificate of Non-Owner Occupancy Declaration showing show the borrower(s) at an address different than the subject. Exception Cleared.<br>Buyer Comment (2026-03-16): please see<br>Reviewer Comment (2026-03-16): Received Non-Owner occupancy certificate does not reflect borrower principal residence address. Exception Remains.<br>Buyer Comment (2026-03-12): Please see non owner occ dec | 03/18/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2144069 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a [redacted]month pay history for the subject property. |  |  |  | Reviewer Comment (2026-03-20): Received copy of Note for mortgage obtained [redacted], which states payments are deferred until [redacted].<br>Buyer Comment (2026-03-18): I/O payments are required starting [redacted], Last line of this document states that payments of interest shall be deferred to the exit of the loan<br>Reviewer Comment (2026-03-18): Received LOE however property history report reflect mortgage on [redacted]. Require [redacted]months pay history for the subject property. Exception Remains.<br>Buyer Comment (2026-03-16): please see | 03/20/2026 |  |  | 1 C A D |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2144069 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2026-03-18): Received Certificate of Good Standing. Exception Cleared.<br>Buyer Comment (2026-03-17): please see | 03/18/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2144079 | XXX |  | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2026-03-19): Received HUD-1 for refinance of other property. Exception cleared.<br>Buyer Comment (2026-03-17): cash out proceeds | 03/19/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2144079 | XXX |  | XXXX |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2026-03-17): Received Fraud Report with cleared alert status. Exception Cleared.<br>Buyer Comment (2026-03-13): fraud summary | 03/17/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2144065 | XXX |  | XXXX |  | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2026-03-16): Received OFAC search result for the borrowing business entity. Exception cleared.<br>Buyer Comment (2026-03-12): [redacted] as requested | 03/16/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2145924 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A detailed letter of explanation from the person the borrower is living with confirming their relationship and that they are living rent free and the time frame along with UW discretion for borrowers living rent free. |  |  |  | Reviewer Comment (2026-04-01): LOX for rent free, property report.<br>Reviewer Comment (2026-03-31): I see the UW discretion on the 1008. Are you looking to waive the LOX from homeowner? There is an exception in the file but was not sure whether you wanted the exception waived.<br>Buyer Comment (2026-03-27): Attached is 1008/Transmittal with UW Discretion for living rent free.<br>Reviewer Comment (2026-03-25): Property profile report shows Guarantor [redacted] as the owner with property being free and clear. Require letter from Guarantor [redacted]for Guarantor [redacted]confirming their relationship and that Guarantor [redacted] is living rent free and the time frame along with UW discretion for borrowers living rent free. Exception remains<br>Buyer Comment (2026-03-23): please see | 04/01/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2144061 | XXX |  | XXXX |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2026-03-19): Received OFAC search result for the borrowing business entity. Exception cleared.<br>Buyer Comment (2026-03-17): Please see attached | 03/19/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2144061 | XXX |  | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Estimated is provided. Missing final closing statement. |  |  |  | Reviewer Comment (2026-03-23): Received Final Closing Statement with Certified True and Correct Copy stamp in the file. Exception Cleared.<br>Buyer Comment (2026-03-19): Please see attached<br>Reviewer Comment (2026-03-19): Provided final closing statement is not signed by all the parties or stamped true and certified. Exception remains.<br>Buyer Comment (2026-03-17): Please see attached | 03/23/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2144070 | XXX |  | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD is not available in the file. |  |  |  | Reviewer Comment (2026-03-24): Final HUD.<br>Buyer Comment (2026-03-24): pls see | 03/24/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2144070 | XXX |  | XXXX |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for secondary entity Providence [redacted]. |  |  |  | Reviewer Comment (2026-03-24): OFAC<br>Buyer Comment (2026-03-20): pls see | 03/24/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2158278 | XXX |  | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final closing disclosure. |  |  |  | Reviewer Comment (2026-01-14): Received Closing Disclosure. Exception Cleared.<br>Buyer Comment (2026-01-12): Final CD attached | 01/14/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2158278 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender on 1004 is listed as XXXX and Note reflects [redacted]. Provide an updated appraisal with lender that matches the Note. |  |  |  | Reviewer Comment (2026-01-02): Received NMLS Report reflect both lender are same trade. Exception Cleared.<br>Buyer Comment (2025-12-30): See attached NMLS which reflects both names. | 01/02/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2158286 | XXX |  | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | First time investors required FICO of [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2026-03-19): Waived with compensating factors per lender exception approval at origination. |  |  | 03/19/2026 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXX | 2158289 | XXX |  | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Approved with compensating factors per lender exception. | Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has [redacted] Years of Experience. | SitusAMC,Originator | Reviewer Comment (2026-04-10): Waived with compensating factors per lender exception approval received post-consummation.<br>Buyer Comment (2026-04-08): Please see attached. Thank you.<br>Reviewer Comment (2026-03-31): Please update the exception in the exact guidelines section that the exception is for the LTV to go to [redacted]% with a [redacted] FICO.<br>Buyer Comment (2026-03-27): Exception attached. Thank you.<br>Reviewer Comment (2026-03-23): Lender exception to verify that the LTV can go to [redacted]LTV with a [redacted]credit score. [redacted]% is not an option per the matrix. |  |  | 04/10/2026 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2158289 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a letter of explanation for living rent free along with UW discretion. LOX is required to meet guidelines. |  |  |  | Reviewer Comment (2026-03-31): Received Rent Free Letter and UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-03-27): Rent free loe & UW discretion on 1008 attached. Thank you. | 03/31/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2158289 | XXX |  | XXXX |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2026-04-16): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2026-04-14): Please see exception attached with the specific filing numbers reflected. One & the same loan. Thank you<br>Reviewer Comment (2026-04-10): The filing numbers on the tax liens are not the same. If lender is approving exception for the secondary lien to remain open, please provide exception form stating this. The current exception form states they are one and the same lien; however, this cannot be determined based on different filing numbers.<br>Buyer Comment (2026-04-08): Please see attached. Thank you.<br>Reviewer Comment (2026-03-31): Please enter the information for the tax liens in the exact guideline section of the form.<br>Buyer Comment (2026-03-30): Please see attached Exception for liens one & the same. Thank you.<br>Buyer Comment (2026-03-27): Rent free loe & UW discretion on 1008 attached. Thank you. |  |  | 04/16/2026 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2158287 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed or is an estimate. |  |  |  | Reviewer Comment (2026-04-10): Received final closing statement. Exception cleared.<br>Buyer Comment (2026-04-08): Final SS | 04/10/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2158283 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Alternate credit document provided is marked sample letter. Provide an actual bank document verifying the credit reference. |  |  |  | Reviewer Comment (2026-04-06): Alternate credit document is signed and stamped. Exception Cleared.<br>Buyer Comment (2026-04-02): PLEASE note [redacted].........We do understand that it says Sample Bank Reference Letter, but its signed, stamped and has all the required information. <br> Please advise in light of this fact you will clear or provide an alternative. Thanks so much. | 04/06/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2158292 | XXX |  | XXXX |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2026-04-01): We acknowledge that there are more than 2 valuation products in file. |  |  | 04/01/2026 | 2 A B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2158282 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | For the subject property, provide bank statements showing account ownership and timely payments debited by Mortgage Servicer; or canceled checks front and back as well as the most recent mortgage statement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-14): Waived with compensating factors per lender approved exception received post-consummation.<br>Buyer Comment (2026-04-10): exception<br>Reviewer Comment (2026-04-08): Per page [redacted] of VOM/pay history received, it reflects last payment date was [redacted], which is further corroborated by the pay history that was attached showing the last payment in [redacted], with an assessed $[redacted]late charge in [redacted]. <br>Based on subject loan consummation date of [redacted], we will need evidence of the [redacted], [redacted]and [redacted]mortgage payments on the subject property.<br>Reviewer Comment (2026-04-08): Received Verification of Mortgage, however, require bank statements showing account ownership and timely payments debited by Mortgage Servicer, or canceled checks front and back as well as the most recent mortgage statement. Exception Remains.<br>Buyer Comment (2026-04-06): See attached VOM. payment history from bwr is not required per guidelines.<br>Buyer Comment (2026-04-06): VOM |  |  | 04/14/2026 | 2 C B D |  | XX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXX | 2158282 | XXX |  | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Provide evidence of the [redacted] & [redacted] housing payments for the subject property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-14): Waived with compensating factors per lender approved exception received post-consummation.<br>Buyer Comment (2026-04-10): see attached exception |  |  | 04/14/2026 | 2 C B |  | XX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXX | 2158284 | XXX |  | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  | Reviewer Comment (2026-04-16): Evidence of investment experience provided. | 04/16/2026 |  |  | 1 A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2158284 | XXX |  | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Borrower is short verified funds. Earnest money was not sourced. |  |  |  | Reviewer Comment (2026-04-14): Received source of deposit with initial package for earnest money deposit. Exception cleared.<br>Buyer Comment (2026-04-13): please see clarification | 04/14/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2158284 | XXX |  | XXXX |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC required for all interested parties. Business entity is missing. |  |  |  | Reviewer Comment (2026-04-10): Received OFAC for business entity in the file. Exception Cleared.<br>Buyer Comment (2026-04-08): pls see | 04/10/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2158284 | XXX |  | XXXX |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than [redacted] days of the Note Date and does not have automatic renewal. |  | Blanket condo policy |  |  |  | Reviewer Comment (2026-04-21): Received renewal of master policy in the file. Exception Cleared.<br>Buyer Comment (2026-04-17): please see insurance policy<br>Reviewer Comment (2026-04-14): No new document received. Effective and expiration date should be updated from the master policy as this is the policy that covers the subject property. Expiration date of master policy is [redacted] which is less than [redacted]days of the note date. Require renewed master policy. Exception remains.<br>Buyer Comment (2026-04-10): we donot need renewed master condo policy as per guidelines, individual policy for unit is renewed | 04/21/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2158284 | XXX |  | XXXX |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Credit loan application is not signed by the borrower. |  |  |  | Reviewer Comment (2026-04-07): Received signed credit application. Exception cleared.<br>Buyer Comment (2026-04-03): Please find attached. | 04/07/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2158284 | XXX |  | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Evidence of owning and managing an investment proeprty for [redacted]months in the past [redacted]months not provided. |  |  |  | Reviewer Comment (2026-04-16): Evidence of investment experience provided.<br>Buyer Comment (2026-04-14): pls see to support that borrower is not a First Time Investor. | 04/16/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2158284 | XXX |  | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Evidence of owning and managing an investment proeprty for [redacted]months in the past [redacted]months not provided. |  |  |  | Reviewer Comment (2026-04-16): Evidence of investment experience provided.<br>Buyer Comment (2026-04-16): there's a proof of investment property in [redacted]. Borrower is not a FTI . | 04/16/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2158293 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of the [redacted] payment for [redacted]. |  |  |  | Reviewer Comment (2026-04-14): Received Pay history of [redacted] for the region bank. Exception Cleared.<br>Buyer Comment (2026-04-10): [redacted][redacted] payment | 04/14/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2156870 | XXX |  | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-11-24): Received Title Report with correct loan amount. Exception cleared.<br>Buyer Comment (2025-11-20): Updated title commitment showing sufficient coverage attached. | 11/24/2025 |  |  | 1 B A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2156870 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Living rent free requires a LLPA and UW discretion. Provide verification that the rate was locked with [redacted] along with evidence of the UW's discretion. |  |  |  | Reviewer Comment (2025-11-24): Received Rent free letter of explanation and Rate lock confirmation for LLPA. Exception cleared.<br>Buyer Comment (2025-11-20): Rent free letter and lock confirmation showing LLPA for rent free added. | 11/24/2025 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2156883 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion is required for borrower a living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2026-03-19): Underwriter discretion is used per 1008 notes for borrower living rent-free. Exception cleared.<br>Buyer Comment (2026-03-17): [redacted] | 03/19/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2156881 | XXX |  | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provided Hazard Insurance coverage is not covering the Loan amount, additional Coverage is Required in file. |  |  |  | Reviewer Comment (2026-03-30): Received replacement cost estimator. Exception Cleared.<br>Buyer Comment (2026-03-26): Please see attached[redacted] | 03/30/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXX | 2156881 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Unable to verify [redacted]months' housing history for the subject property. Please provide verification of timely payments (either by canceled checks (front and back), bank statements showing payments debited, or a Verification of mortgage from [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-17): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-04-15): The Post Closing Guideline Exception Form has been uploaded.<br>Reviewer Comment (2026-04-13): The pay history provided for subject property is missing the [redacted]. Per the printout provided from the mortgage holder, the [redacted] payment was made on [redacted] in the amount of $[redacted], which includes a service charge, and matches the [redacted] debit on the bank statement provided. Please provide evidence the [redacted] payment was made on subject property.<br>Buyer Comment (2026-04-09): Please see attached Documents<br>Reviewer Comment (2026-04-09): We have verified [redacted]months housing history from [redacted] [redacted]till [redacted] [redacted]. Please provide [redacted]months history from prior mortgage to meet complete [redacted]months history requirement. If borrower was living on another property which was free and clear or if there was any mortgage, please provide history /supporting proof for that. Exception remains.<br>Buyer Comment (2026-04-07): Please see attached Document<br>Reviewer Comment (2026-04-03): Provided bank statement covers [redacted]months housing history. Require [redacted] more months payment history from the prior mortgage. Exception remains.<br>Buyer Comment (2026-04-01): Please see attached details/rebuttal. Thank you. |  |  | 04/17/2026 | 2 C B D |  | XX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXX | 2156880 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note - Subject Lien not provided. |  |  |  | Reviewer Comment (2026-03-31): Received executed note. Exception cleared<br>Buyer Comment (2026-03-27): Note has been uploaded. Thank you.<br>Reviewer Comment (2026-03-23): Received pay history and Title Commitment. File is missing Note - Subject Lien. Exception remains.<br>Buyer Comment (2026-03-19): PFA Payment history and Title report (Point [redacted]-page [redacted]Information is already provided) | 03/31/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2156890 | XXX |  | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as Section [redacted]A is missing the principal residence address. |  |  |  | Reviewer Comment (2026-03-24): The Certificate of Non-Owner Occupied received showing the borrower(s) at different address than the subject. Exception Cleared.<br>Buyer Comment (2026-03-20): non-owner | 03/24/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2156889 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title commitment/loan payoff in the file indicates a blanket mortgage covers the subject property. Provide evidence loan was paid in full or that the subject property was fully released from the lien. |  |  |  | Reviewer Comment (2026-03-30): [redacted]from title verifying the lien will be fully rreleased.<br>Buyer Comment (2026-03-26): Please see attached email from title agent same as the comments above. Thank you.<br>Buyer Comment (2026-03-26): This transaction only closed on [redacted]. I do not have the partial release document in hand from lender just yet.<br> Attached is the partial payoff statement and proof of wire.<br> We will obtain the partial releases from [redacted]office as soon as possible and we will record them in the clerks office.<br> I have committed to insuring [redacted] as a [redacted]st lien position mortgage. [redacted] is protected from any adverse claims wherein this blanket mortgage is concerned.<br> This should not be an issue for you. If it is please explain why.<br>Sincerely,<br> [redacted] | 03/30/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2156891 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for borrower living rent free. |  |  |  | Reviewer Comment (2026-04-08): Received 1008 with underwriter's comment. Exception Cleared<br>Buyer Comment (2026-04-04): 1008/Transmittal with UW Discretion for borrower living rent free. | 04/08/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2156886 | XXX |  | XXXX |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report missing in this loan file |  |  |  | Reviewer Comment (2026-04-03): Received Credit Report in the file.Exception Cleared.<br>Buyer Comment (2026-04-01): PFA Credit report | 04/03/2026 |  |  | 1 D A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2156886 | XXX |  | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Missing credit report. |  |  |  | Reviewer Comment (2026-04-03): Received Credit Report in the file.Exception Cleared.<br>Buyer Comment (2026-04-01): credit report uploaded | 04/03/2026 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2156886 | XXX |  | XXXX |  | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2026-04-03): Received OFAC for the business entity in the file. Exception Cleared.<br>Buyer Comment (2026-04-01): OFAC provided | 04/03/2026 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2156877 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated Provided. |  |  |  | Reviewer Comment (2026-04-16): Final closing statement provided. Exception cleared.<br>Buyer Comment (2026-04-14): Final | 04/16/2026 |  |  | 1 D A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2156877 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | missing [redacted]months verification of mortgage payment for primary address. Per 1008 borrower has been paying the mortgage and only [redacted] of [redacted] are in the file. |  |  |  | Reviewer Comment (2026-04-16): [redacted] month history provided from borrowers bank statement/printout. Lender along with payment amount matches the statement in file.<br>Buyer Comment (2026-04-14): [redacted] month payments. | 04/16/2026 |  |  | 1 C A D |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2156888 | XXX |  | XXXX |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2026-04-09): Received OFAC for business entity. Exception Cleared.<br>Buyer Comment (2026-04-07): Please see attached<br>Reviewer Comment (2026-04-06): Document provided is not dated to determine when it was obtained.<br>Buyer Comment (2026-04-02): Please see attached. | 04/09/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2156888 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2026-04-09): Received Articles of Organization/Formation. Exception Cleared.<br>Buyer Comment (2026-04-09): Please see attached. | 04/09/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2156888 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing Certificate of Good Standing. |  |  |  | Reviewer Comment (2026-04-09): Received Certificate of Good Standing. Exception Cleared.<br>Buyer Comment (2026-04-09): Please see attached. | 04/09/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2156874 | XXX |  | XXXX |  | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2026-04-10): Provided clear OFAC search for business entity. Exception cleared<br>Buyer Comment (2026-04-08): Please see attached.<br>Reviewer Comment (2026-04-03): Received OFAC search does not have document date. Exception Remains.<br>Buyer Comment (2026-04-01): Please see attched | 04/10/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2156892 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | File is missing certificate of good standing dated within [redacted] days of Note date. Document provided in file is dated [redacted], which is more than one year prior to Note date. |  |  |  | Reviewer Comment (2026-04-02): Received Certificate of Good Standing in the file. Exception Cleared.<br>Buyer Comment (2026-03-31): Current Certificate of Good Standing. | 04/02/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2156885 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The file is missing the Guaranty Agreement. |  |  |  | Reviewer Comment (2026-04-14): Guaranty Agreement received and verified the details. Exception Cleared.<br>Buyer Comment (2026-04-10): please see attached | 04/14/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2156885 | XXX |  | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., XXXX) and evidence of at least [redacted] months of Operating History is not present in the loan file. |  | Appraiser calculated short-term rental income, however, the worksheet calculator is missing from the file. |  |  |  | Reviewer Comment (2026-04-15): Received Short term rental worksheet. Exception Cleared.<br>Buyer Comment (2026-04-12): please see attached. | 04/15/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2156875 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  |  |  |  |  | Reviewer Comment (2026-04-09): Received signed security instrument.<br>Buyer Comment (2026-04-08): PFA | 04/09/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2156875 | XXX |  | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. |  |  |  | Reviewer Comment (2026-04-09): Received non-Owner occupancy certificate with borrower principal address. Exception Cleared.<br>Buyer Comment (2026-04-07): PFA | 04/09/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2156875 | XXX |  | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Provide the [redacted] & [redacted] payments for the primary residence. |  |  |  | Reviewer Comment (2026-04-23): Credit supplement and loan payoff.<br>Buyer Comment (2026-04-21): Payoff demand for[redacted] #[redacted]includes interest from 1[redacted]-[redacted] which is [redacted]days. Interest per day is $[redacted]. $[redacted]x [redacted]days = $[redacted]which is the amount of interest charged. There is no interest included prior to [redacted]which would support that the [redacted][redacted]mortgage payment was made.<br>Payment Status: Because the interest accrual begins exactly on [redacted], this confirms that the loan balance was paid through [redacted]. Mortgage interest is typically paid in arrears, meaning the [redacted] payment covers the interest accrued during [redacted]. If the [redacted]payment had been missed, the payoff demand would include interest starting from [redacted](or earlier).<br>Reviewer Comment (2026-04-21): Received credit supplement reflecting the last payment date of [redacted] Provide the [redacted] [redacted]payment history for the primary residence Exception Remains.<br>Buyer Comment (2026-04-17): Please see uploaded documents. | 04/23/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2156876 | XXX |  | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | Missing 1007 Rent Comparison Schedule in the Loan file. |  |  |  | Reviewer Comment (2026-04-16): STR analysis from appraiser.<br>Reviewer Comment (2026-04-15): Received document is short term rental analysis. Require 1007 Rent Comparison Schedule document. Exception Remains.<br>Buyer Comment (2026-04-13): pls see and advise | 04/16/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2156876 | XXX |  | XXXX |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property |  | Comparable Rent Schedule to verify Market Rent is missing in the Loan file. |  |  |  | Reviewer Comment (2026-04-16): STR Analysis.<br>Buyer Comment (2026-04-14): please see There is a Short Term Rental Analysis located within the appraisal in lieu of a 1007 and attached for reference. The short term rental comps that are referenced on the Short Term Rental Analysis are shown on the location map within the appraisal. | 04/16/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2156876 | XXX |  | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | For the primary residence, provide either a [redacted]month pay history or a property report verifying it is owned free and clear with taxes paid current. |  |  |  | Reviewer Comment (2026-04-16): Property report and tax cert.<br>Buyer Comment (2026-04-15): pls see the attached full copy of property tax billing statement for primary residence that shows [redacted]½ not due until [redacted]. why the borrower will pay if it is not due yet.it will show pending only till [redacted]<br>Buyer Comment (2026-04-15): pls see the attached full copy of property tax billing statement for primary residence that shows [redacted]½ not due until [redacted].<br>Reviewer Comment (2026-04-10): Per provided tax certificate, unpaid tax due is $[redacted]. Require taxes to be paid. Exception remains.<br>Buyer Comment (2026-04-08): please see taxes are not yet due for [redacted]<br>Reviewer Comment (2026-04-08): Per property profile, property is held free and clear. Require evidence taxes are paid current. Exception remains.<br>Buyer Comment (2026-04-06): doc ID [redacted]<br>Buyer Comment (2026-04-06): please refer to the prop profile report it shows no liens | 04/16/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2156876 | XXX |  | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Missing evidence of the rental income for the subject. 1007 not provided. |  |  |  | Reviewer Comment (2026-04-16): STR analysis. | 04/16/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2156868 | XXX |  | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provide a final buyers closing statement signed by all parties or stamped true and certified. |  |  |  | Reviewer Comment (2026-04-22): Received final closing statement signed by all parties. Exceprion cleared.<br>Buyer Comment (2026-04-20): Final SS<br>Reviewer Comment (2026-04-20): The provided statement is seller settlement statement. Please provide a final buyers closing statement signed by all parties or stamped true and certified. Exception remains.<br>Buyer Comment (2026-04-16): Final SS | 04/22/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2156869 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide an updated appraisal disclosing lender as [redacted] as the Lender. |  |  |  | Reviewer Comment (2026-04-27): Received appraisal report with lender as [redacted] [redacted]. Exception Cleared.<br>Buyer Comment (2026-04-23): appraisal | 04/27/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2154359 | XXX |  | XXXX |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Judgements are required to be paid off. |  |  |  | Reviewer Comment (2025-11-12): LOX from Child support verifying the lien for child support has been released.<br>Reviewer Comment (2025-11-12): Received LOX however release date does not provided. Exception Remains.<br>Buyer Comment (2025-11-10): [redacted]-Please see attached LOX from the Dept of revenue for Child Support servicing evidencing the lien # as released | 11/12/2025 |  |  | 1 B A |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2154352 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rent free letter of explanation is required to come from the spouse/homeowner along with a current mortgage statement for the property. |  |  |  | Reviewer Comment (2026-04-08): Rent free letter of explanation received along with Mortgage statement and verified the details. Exception Cleared.<br>Buyer Comment (2026-04-06): PFA as requested | 04/08/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2154352 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Provide fully executed Bylaws. |  |  |  | Reviewer Comment (2026-04-02): Received fully executed Bylaws in the file. Exception Cleared.<br>Buyer Comment (2026-03-31): PFA | 04/02/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2154351 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Per credit application borrower resides rent free. Please provide a Rent-free letter for the XXXX property from the property owner along with Underwriter discretion. | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of [redacted] is greater than the minimum required DSCR of [redacted]. | SitusAMC,Originator | Reviewer Comment (2026-04-15): Waived with compensating factors per lender approved exception.<br>Buyer Comment (2026-04-13): The Post Closing Guideline Exception Form has been uploaded.<br>Reviewer Comment (2026-03-26): UW discretion for residing rent free along with LOE from borrower's spouse in not received in the file. Exception remains.<br>Buyer Comment (2026-03-24): Please find attached.<br>Reviewer Comment (2026-03-19): No new document received. Per signed credit application ([redacted]), borrower has declared, living rent free at primary residence from [redacted]years. Require Rent-free letter for the [redacted]property from the property owner along with Underwriter discretion and if property is owned free & clear then require Property profile report & proof property taxes are paid current for the most recent property tax year. If primary residence has active mortgage, then verification of mortgage is required from third party. Exception remains.<br>Buyer Comment (2026-03-17): The borrower is living on their own at [redacted][redacted], [redacted],[redacted] [redacted]. Why is a rent-free letter required. |  |  | 04/15/2026 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2154351 | XXX |  | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The ID documentation (license, passport, Visa) does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Loan approved as an investment property, however, the address on borrower's driver's license is the same as the subject property address. Please provide a letter of explanation regarding the reason for the same address. |  |  |  | Reviewer Comment (2026-03-25): Received Letter of Explanation in the file. Exception Cleared.<br>Buyer Comment (2026-03-23): Please find attached the LOE | 03/25/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2154354 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title commitment/loan payoff in the file indicates a blanket mortgage covers the subject property. Provide evidence loan was paid in full or that the subject property was fully released from the lien. |  |  |  | Reviewer Comment (2026-04-14): Received Mortgage Loan Payoff Statement and Wire Confirmation stating the loan was paid in full. Exception Cleared.<br>Buyer Comment (2026-04-10): Please see attached | 04/14/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2154353 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Unable to verify [redacted]months' mortgage history for the subject property. Please provide payment history or a Verification of Mortgage from [redacted]. |  |  |  | Reviewer Comment (2026-04-03): Received Verification of Mortgage and recent Mortgage Statement from FCI Lender Services. Exception Cleared.<br>Buyer Comment (2026-04-01): Please see attached | 04/03/2026 |  |  | 1 C A D |  | XX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| XXX | 2154355 | XXX |  | XXXX |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final 1003 is not signed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-15): Waived with compensating factors per lender direction.<br>Buyer Comment (2026-04-13): Please waive.<br>Reviewer Comment (2026-04-10): Received credit application with signature date of [redacted] which is after note date of [redacted]. Provide credit application with signature date of [redacted]. Exception remains.<br>Buyer Comment (2026-04-08): Please find attached the signed final 1003. |  |  | 04/15/2026 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2154355 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is living rent free with someone other than a spouse. This does not meet guidelines. File is missing underwriter discretion documentation allowing credit exception. |  |  |  | Reviewer Comment (2026-03-25): Updated 1008 received with underwriter discretion for Borrower is living rent free along with rent free letter. Exception Cleared.<br>Buyer Comment (2026-03-23): Please find attached the 1008.<br>Reviewer Comment (2026-03-20): Provided letter from borrower's parent for living rent free. Require UW discretion. Exception remains.<br>Buyer Comment (2026-03-18): Please find attached the LOE. | 03/25/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2154349 | XXX |  | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | File is missing full [redacted]month housing history for primary residence. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-20): Waived in error.<br>Reviewer Comment (2026-04-20): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-04-17): Exception uploaded.<br>Reviewer Comment (2026-04-14): The documents provided in the file were previously reviewed. <br>The borrower had a mortgage on the property under "[redacted]" starting [redacted]per the fraud report provided and in the screenshot. We need the history for that mortgage to complete the required [redacted] months per guidelines. The current VOR/lease agreement has already been reviewed/accepted, but it started [redacted]through [redacted]. The history for [redacted]through [redacted]will need to be provided.<br>Buyer Comment (2026-04-13): Please see attached<br>Reviewer Comment (2026-03-27): VOR received reflecting history from [redacted]through [redacted]; however, there was a prior mortgage on the primary residence when owned by our borrower and a history covering [redacted]through [redacted]will be required for review of this condition.<br>Buyer Comment (2026-03-27): proof borr bought he prop in [redacted]and sold in [redacted][redacted]<br>Buyer Comment (2026-03-27): Borrower previously owned primary residence [redacted]dodge st from [redacted], he sold the prop in [redacted]and is renting back , please see LOE, fruad report screenshot, prop selling HUD |  |  | 04/20/2026 | 2 C B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2155395 | XXX |  | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | File is missing complete [redacted]month housing history for primary residence. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-04-13): Waived with compensating factors per lender approved exception.<br>Buyer Comment (2026-04-09): Please see attached<br>Reviewer Comment (2026-04-02): Provided document is a property report, require housing payment history for the previous primary residence ([redacted][redacted]) to satisfy the [redacted]month pay history requirement. Exception Remains.<br>Buyer Comment (2026-03-31): Please see attached<br>Reviewer Comment (2026-03-27): Per the property history report, the borrower purchased the primary residence in [redacted]; therefore, only an [redacted]-month mortgage payment history is available and can be verified through the credit report. Required housing payment history for the prior residence. Exception Remains.<br>Buyer Comment (2026-03-25): Borrower is living in current primary residence [redacted]- from lost [redacted]year, we have [redacted]months history for the current primary residence<br> priori residence history is not required, only recent [redacted]months is required which is already provided<br>Reviewer Comment (2026-03-25): Require housing payment history for the previous primary residence ([redacted][redacted]). Exception Remains.<br>Buyer Comment (2026-03-23): [redacted] Primary residence: $[redacted]mortgage started on [redacted]with [redacted] #[redacted]On Credit Report 8months reviewed, next due [redacted], no lates noted |  |  | 04/13/2026 | 2 C B |  | XX | Investment | Purchase | C B A |  | N/A | No |
| XXX | 2155422 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate Provided |  |  |  | Reviewer Comment (2026-03-30): Received certified copy of final closing statement. Exception cleared.<br>Buyer Comment (2026-03-26): please see attached<br>Reviewer Comment (2026-03-25): Provided final closing statement is not signed by all required parties or stamped true and certified. Exception Remains.<br>Buyer Comment (2026-03-23): please see<br>Reviewer Comment (2026-03-20): Available copy of closing statement is estimated, and stamp does not read it as Final. Provide final closing statement signed by all the parties or stamped true and certified. Exception remains.<br>Buyer Comment (2026-03-18): as per title there was not change and the estimated is the final SS and it is stamped by title as final/tru copy | 03/30/2026 |  |  | 1 D A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2155424 | XXX |  | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-03-20): Received Occupancy Certificate. Exception Cleared.<br>Buyer Comment (2026-03-18): PFA | 03/20/2026 |  |  | 1 C A |  | XX | Investment | Purchase | C A |  | N/A | No |
| XXX | 2155405 | XXX |  | XXXX |  | Credit | Business Purpose | General | Business Purpose | The signature on the application does not match the signature on the Non-Owner Occupied Certification. |  | Borrower signature page on the Credit Application was incomplete and did not disclose borrower's signature. Unable to compare signature with the Non-Owner Occupied Certification. |  |  |  | Reviewer Comment (2026-03-26): Received Credit Application in the file. Validated the signature of borrower with the Application. Exception Cleared.<br>Buyer Comment (2026-03-24): Final Commercial app | 03/26/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2155405 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Please provide an updated credit application as pages [redacted] and [redacted]are not complete. |  |  |  | Reviewer Comment (2026-03-26): Received complete updated credit application in the file. Exception Cleared.<br>Buyer Comment (2026-03-24): see attached final | 03/26/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2155405 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Closing Statement is not signed by title agent. |  |  |  | Reviewer Comment (2026-03-25): Received Final Closing Statement with Certified True and Correct Copy stamp in the file. Exception Cleared.<br>Buyer Comment (2026-03-23): Final SS | 03/25/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2155401 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-03-30): Received final closing statement signed by all parties. Exception cleared.<br>Buyer Comment (2026-03-26): Please see attached Final SS | 03/30/2026 |  |  | 1 D A |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXX | 2155401 | XXX |  | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Due to being a first time investor. Max LTV is [redacted]%. | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of [redacted] is greater than the minimum required DSCR of [redacted]. | SitusAMC,Originator | Reviewer Comment (2026-04-16): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2026-04-14): Please see exception attached. Thank you.<br>Reviewer Comment (2026-04-06): There is no evidence on fraud report provided our guarantor has the required investment experience. Maximum LTV for first time investor is [redacted]%.<br>Buyer Comment (2026-04-02): Also please see page #[redacted] of fraud report Borrower has previously owned rental properties. Thank you.<br>Buyer Comment (2026-04-02): Please note per guidelines for FN DSCR with a DSCR ratio over [redacted]% using foreign credit no reserves are required & no restrictions on [redacted]st time investors. Thank you. |  |  | 04/16/2026 | 2 C B |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXX | 2155401 | XXX |  | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Due to being a first time investor. [redacted]months reserves required. | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of [redacted] is greater than the minimum required DSCR of [redacted]. | SitusAMC,Originator | Reviewer Comment (2026-04-16): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2026-04-14): Please see exception attached.<br>Reviewer Comment (2026-04-13): Properties ever owned is unable to be used, as we are not able to determine if these were owner occupied, second homes or investment properties. Property history reports or additional documentation reflecting our borrower has owned at least [redacted] investment property for a minimum of [redacted]months in the prior [redacted]years required.<br>Buyer Comment (2026-04-09): Please see attached page #[redacted]of the Fraud Report. Thank you.<br>Reviewer Comment (2026-04-06): There is no evidence on fraud report provided our guarantor has the required investment experience. First time investors on the foreign national program require [redacted]months' reserves.<br>Buyer Comment (2026-04-02): Please note loan amounts under $[redacted]million do not require reserves. Thank you. |  |  | 04/16/2026 | 2 C B |  | XX | Investment | Purchase | D B A |  | N/A | No |
| XXX | 2155411 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the Operating Agreement for the subject property, the business entity is owned by [redacted]. Please provide an OFAC report for XXXX. |  |  |  | Reviewer Comment (2026-04-01): Received OFAC for XXXX in the file. Exception Cleared.<br>Buyer Comment (2026-03-30): Please see attached clear OFAC. Thank you. | 04/01/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2155392 | XXX |  | XXXX |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2026-04-06): Received Title Report with the coverage amount in the file. Exception Cleared.<br>Buyer Comment (2026-04-02): Attached is the title report, indicating the coverage amount. | 04/06/2026 |  |  | 1 B A |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2155406 | XXX |  | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Provide evidence of timely payments from [redacted] for the primary residence. |  |  |  | Reviewer Comment (2026-04-20): [redacted] months pay history verified from credit report, VOM and mortgage statements for primary residence. Exception Cleared.<br>Buyer Comment (2026-04-16): [redacted]payment<br>Buyer Comment (2026-04-16): [redacted]<br>Buyer Comment (2026-04-16): VOM [redacted]reports last payment [redacted].<br>Reviewer Comment (2026-04-14): Received VOM however the housing history from [redacted]-[redacted] is required. Exception Remains.<br>Buyer Comment (2026-04-10): VOM through [redacted] [redacted] | 04/20/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2155412 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rent-free letter was in the file; however, UW Discretion is required for borrower living rent-free with someone other than spouse. |  |  |  | Reviewer Comment (2026-04-14): Updated 1008 received with underwriter discretion for Borrower is living rent free along with rent free letter. Exception Cleared.<br>Buyer Comment (2026-04-10): Please see attached 1008 with rent free commentary. Thank you. | 04/14/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXX | 2155419 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated HUD provided. |  |  |  | Reviewer Comment (2026-04-06): Received Final HUD. Exception Cleared.<br>Buyer Comment (2026-04-02): pls see<br>Reviewer Comment (2026-04-02): Require Final HUD in the file, provided is estimated HUD. Exception remains.<br>Buyer Comment (2026-03-31): pls see | 04/06/2026 |  |  | 1 D A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2155425 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower living with someone other than spouse requires UW discretion. |  |  |  | Reviewer Comment (2026-04-13): Received 1008 UW Discretion. Exception Cleared.<br>Buyer Comment (2026-04-09): Please find attached the updated 1008<br>Reviewer Comment (2026-04-06): Received summary with mentioned borrower is living rent free. Required underwrite discretion stating there no concern for occupancy after reviewing the credit package and LOE. Exception Remains.<br>Buyer Comment (2026-04-02): Please find attached the 1008 | 04/13/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2155425 | XXX |  | XXXX |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borropwing entity. |  |  |  | Reviewer Comment (2026-04-06): Received OFAC search for the borrowing entity. Exception Cleared.<br>Buyer Comment (2026-04-02): Please find attached the OFAC. | 04/06/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2155415 | XXX |  | XXXX |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | One open Charge-off account of ($[redacted]) which is unpaid, provide valid documents to verify the Charge-off was paid in full and satisfied. |  |  |  | Reviewer Comment (2026-04-08): Waived per client direction.<br>Buyer Comment (2026-04-06): pls see exception<br>Reviewer Comment (2026-04-02): Received Credit Card Statement is reflecting New Balance $[redacted]. Documents to verify the Charge-off was paid in full and satisfied is required. Exception remains.<br>Buyer Comment (2026-03-31): please see |  |  | 04/08/2026 | 2 B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2155415 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-04-02): Received 1008 with UW comments for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-03-31): see UW discretion, screenshot from MLM, all notes donot appear in the printed 1008-as there is limited space | 04/02/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2155390 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated HUD provided. Provide a final HUD/CS. |  |  |  | Reviewer Comment (2026-04-16): Received certified closing statement. Exception cleared.<br>Buyer Comment (2026-04-14): Final SS | 04/16/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2155421 | XXX |  | XXXX |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2026-04-15): Waived per client direction.<br>Buyer Comment (2026-04-15): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2026-04-15): Condition is not asking for another appraisal. The CDA was already provided and did not return a value. Based on this, this is an EV2 that lender can elect to waive.<br>Buyer Comment (2026-04-13): Field review is already provided, we do not require CDA<br>Reviewer Comment (2026-04-10): Documents received were already in original file. There is a desk review in the file that did not return a value, which does not support the appraised value. This is an EV2 that client can elect to waive; however, we are unable to clear based on documents provided for review.<br>Buyer Comment (2026-04-08): PFA Documents as requested |  |  | 04/15/2026 | 2 A B |  | XX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXX | 2155398 | XXX |  | XXXX |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing Trust. |  |  |  | Reviewer Comment (2026-04-10): Received OFAC search result of the borrowing trust. Exception cleared.<br>Buyer Comment (2026-04-08): ofac | 04/10/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2155398 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated HUD provided. |  |  |  | Reviewer Comment (2026-04-10): Received final closing statement. Exception cleared.<br>Buyer Comment (2026-04-08): Final SS | 04/10/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2155402 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated HUD provided. |  |  |  | Reviewer Comment (2026-04-09): Received Final HUD. Exception Cleared<br>Buyer Comment (2026-04-08): Please see attached | 04/09/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| XXX | 2155420 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The file is missing the final HUD-1. Copy in file is an estimate. Please provide the final Closing Statement fully executed by all parties or stamped true and certified. The copy in the file was not signed by all parties. |  |  |  | Reviewer Comment (2026-04-16): Received stamped true and certified final HUD-1. Exception Cleared.<br>Buyer Comment (2026-04-14): Final SS | 04/16/2026 |  |  | 1 D A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2155420 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Page [redacted]of the Credit Application was incomplete. |  |  |  | Reviewer Comment (2026-04-16): Received application with declaration page. Exception Cleared.<br>Buyer Comment (2026-04-14): Application | 04/16/2026 |  |  | 1 C A |  | XX | Investment | Purchase | D A |  | N/A | No |
| XXX | 2155397 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The file is missing the final HUD-1. Copy in file is an estimate. |  |  |  | Reviewer Comment (2026-04-13): Received final closing statement. Exception Cleared.<br>Buyer Comment (2026-04-09): final SS | 04/13/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXX | 2155423 | XXX |  | XXXX |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | as per approval secondary valuation value supported |  |  |  | Reviewer Comment (2026-04-14): Waived per lender direction.<br>Buyer Comment (2026-04-10): 1025 [redacted], CDA [redacted], Field review [redacted]- EV2-Lender accepts. Please waive with available compensating factors. |  |  | 04/14/2026 | 2 A B |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2155423 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW discretion for approving the borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2026-04-14): Received UW discretion in the file for borrower living rent free with someone. Exception Cleared.<br>Buyer Comment (2026-04-10): uw discretion | 04/14/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXX | 2155407 | XXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval request for [redacted]% of the Units must be Owner Occupied. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | Reserves: [redacted]<br> Guideline Requirement: [redacted]<br>Borrower's Own Funds Percent: [redacted]<br> Borrower's Own Funds Amount: $[redacted] | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-04-07): Waived with compensating factors per lender exception approval at origination. |  |  | 04/07/2026 | 2 B |  | XX | Investment | Purchase | B A |  | N/A | No |
| XXX | 2155410 | XXX |  | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2026-04-14): Received Final Closing statement. Exception Cleared.<br>Buyer Comment (2026-04-10): PFA final SS | 04/14/2026 |  |  | 1 C A |  | XX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXX | 2155396 | XXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Please provide the final Closing Statement fully executed by all parties or stamped true and certified. The copy in the file was not signed by all parties. |  |  |  | Reviewer Comment (2026-04-16): Received final Closing Statement fully executed by all parties in the file. Exception Cleared.<br>Buyer Comment (2026-04-14): PFA updated SS | 04/16/2026 |  |  | 1 D A |  | XX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |

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## Exhibit 99.01

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

**Exhibit 99.01 - Schedule 3**

![](situs-logo.jpg)

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| **Valuation Report** |
| **Run Date - 6/16/2026 1:14:56 PM** |

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXX | 2125768 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2131546 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXX | 2132204 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2131540 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXX | 2132433 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXX | 2151753 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXX | 2151755 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2151754 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXX | 2164750 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2165776 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2165778 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2159511 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.550% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2159508 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2164758 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2164752 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2164754 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2165779 | XXX |  |  |  |  |  |  |  | 5.160% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2164759 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2164751 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2164753 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2164757 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2165781 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2165777 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2165782 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.70 |
| XXX | 2165780 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2160059 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 13.850% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 1.230% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.60 |
| XXX | 2160047 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2160053 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| XXX | 2160054 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2160051 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXX | 2160055 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| XXX | 2160052 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| XXX | 2160056 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2160048 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.40 |
| XXX | 2160057 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| XXX | 2160058 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2160060 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2160050 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2160049 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXX | 2142314 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142355 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142377 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142372 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.10 |
| XXX | 2142395 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142358 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142399 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142393 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142361 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXX | 2142387 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2142356 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142313 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2142389 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142383 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142392 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2144101 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2144114 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2129442 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142376 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| XXX | 2144068 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXX | 2142346 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| XXX | 2142327 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142347 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142325 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142328 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.440% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXX | 2142379 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2144098 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXX | 2142348 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2144073 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144078 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142326 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXX | 2144097 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142338 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2142318 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 2144060 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144069 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.640% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144079 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2144065 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2144067 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.70 |
| XXX | 2142336 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2142334 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2145924 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXX | 2142349 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXX | 2144061 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2144070 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2158278 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXX | 2158286 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXX | 2158289 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXX | 2158287 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| XXX | 2158291 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXX | 2158283 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 2158279 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXX | 2158281 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXX | 2158292 | XXX |  |  |  |  |  |  |  | 3.140% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -100.000% |  | Indeterminate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| XXX | 2158282 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2158284 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2158293 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2158294 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2158288 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2158280 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXX | 2156870 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXX | 2156883 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.480% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXX | 2156896 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2156881 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2156880 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2156890 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2156889 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXX | 2156878 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2156895 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2156891 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2156886 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2156873 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXX | 2156877 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.380% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2156888 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2156874 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.540% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2156887 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXX | 2156892 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXX | 2156871 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2156894 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXX | 2156885 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.40 |
| XXX | 2156875 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | 2156876 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXX | 2156884 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2156872 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2156868 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXX | 2156869 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2156882 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2154359 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2154357 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2154352 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXX | 2154351 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2154356 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXX | 2154354 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXX | 2154353 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2154355 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXX | 2154349 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXX | 2155395 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXX | 2155422 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXX | 2155424 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2155405 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXX | 2155409 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2155401 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2155411 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXX | 2155392 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| XXX | 2155414 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXX | 2155406 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2155394 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXX | 2155416 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2155412 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2155419 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2155425 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2155415 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2155390 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2155400 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2155391 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2155421 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -100.000% |  | Indeterminate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2155399 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2155417 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2155398 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXX | 2155402 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXX | 2155420 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2155397 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2155423 | XXX |  |  |  |  |  |  |  | 7.830% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -100.000% |  | Indeterminate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2155413 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2155403 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2155407 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| XXX | 2155410 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2155396 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXX | 2155408 | XXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.01

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

**Exhibit 99.01 - Schedule 4**

![](situs-logo.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 6/16/2026 1:14:56 PM** |

---

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **Default Interest Rate** | **Default Interest Accrual Start Days** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** | **Amortization Term Less IO** |
| XXX | 2125768 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2131546 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2132204 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2131540 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2132433 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2151753 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2151755 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2151754 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2164750 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | Yes | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No | XXX |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2165776 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Short Form | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2165778 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2159511 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2159508 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2164758 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2164752 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2164754 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2165779 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2164759 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2164751 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX | XXX |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | Yes | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2164753 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2164757 | XXX |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2165781 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2165777 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2165782 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2165780 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2160059 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX | XXX |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2004<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2004 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX | Broker | No | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2160047 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Final | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | Broker |  | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2160053 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail |  | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2160054 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 27.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 27.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2160051 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2160055 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail | No | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2160052 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | XXX | XXX | XXX | XXX |  | XXX | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  | No | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | XXX | XXX |
| XXX | 2160056 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2160048 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.81000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.81000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.81000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.81000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2160057 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2160058 | XXX |  | Exempt from ATR |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2160060 | XXX |  | Non QM |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX | XXX |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2160050 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2160049 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142314 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142355 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Final | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142377 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142372 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX | Retail |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142395 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142358 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142399 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142393 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142361 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142387 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142356 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142313 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142389 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142383 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142392 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2144101 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144114 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2129442 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142376 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144068 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX | Broker |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142346 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | Broker |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142327 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142347 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142325 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142328 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142379 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144098 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142348 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144073 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144078 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142326 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2144097 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142338 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142318 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144060 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144069 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2144079 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144065 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144067 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142336 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2142334 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2145924 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2142349 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Final | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144061 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2144070 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2158278 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | XXX | Retail |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2158286 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2158289 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2158287 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2158291 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | XXX | XXX |
| XXX | 2158283 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | XXX | XXX |
| XXX | 2158279 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2023 |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2158281 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2158292 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | Retail |  | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2158282 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2158284 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | XXX | XXX |
| XXX | 2158293 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2158294 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2158288 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2158280 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2156870 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2156883 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2156896 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156881 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156880 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156890 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156889 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156878 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156895 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156891 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2156886 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2156873 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156877 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2156888 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156874 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156887 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX | Retail |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156892 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX | Broker |  | No | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156871 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Final | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2156894 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2156885 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156875 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156876 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2156884 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156872 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156868 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2156869 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2156882 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2154359 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2154357 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2154352 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2154351 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2154356 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2154354 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2154353 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2154355 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2154349 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155395 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155422 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155424 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155405 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2155409 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155401 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2155411 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155392 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2155414 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155406 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155394 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  | 0 |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155416 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2155412 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2155419 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155425 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2155415 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2155390 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155400 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155391 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155421 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155399 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155417 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155398 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2155402 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155420 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155397 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155423 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Final | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | XXX | XXX |
| XXX | 2155413 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155403 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Preliminary | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155407 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | Yes | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | XXX | XXX |
| XXX | 2155410 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155396 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |
| XXX | 2155408 | XXX |  | N/A |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX |  |  |  | XXX | XXX |  |  |  | N/A | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  | Yes | Commitment | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | Yes | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No | XXX | XXX |

---

## Exhibit 99.01

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

**Exhibit 99.01 - Schedule 5**

![](situs-logo.jpg)

---

| |
|:---|
| **ASF Addendum - Business Purpose** |
| **Run Date - 6/16/2026 1:14:59 PM** |

---

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| XXX | 2125768 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2131546 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2132204 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2131540 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2132433 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151753 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151755 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2151754 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2165776 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 1-Not Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2165778 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2159511 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2159508 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2164758 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2164752 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2164754 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2165779 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2164759 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2165781 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2160058 | XXX |  |  |  |  |  |  | Yes |  | XXX |  |  |  | XXX |  | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  | XXX | XXX | No | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2160050 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2160049 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142314 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142355 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142377 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142372 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142395 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142358 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142399 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142393 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142361 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142387 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142356 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142313 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142389 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142383 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142392 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144101 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144114 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2129442 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142376 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144068 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142346 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142327 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142347 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142325 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142328 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142379 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144098 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142348 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144073 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144078 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142326 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144097 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142338 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142318 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144060 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144069 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144079 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144065 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144067 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142336 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142334 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2145924 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | Full Recourse | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2142349 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144061 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2144070 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2158278 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2158286 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2158289 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2158287 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2158291 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | Yes | Yes |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2158283 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | Yes | Yes |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2158279 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2158281 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2158292 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2158282 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2158284 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  | XXX |  |  |  |
| XXX | 2158293 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2158294 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2158288 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2158280 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156870 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156883 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156896 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156881 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156880 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156890 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156889 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156878 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156895 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156891 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156886 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156873 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156877 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156888 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156874 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156887 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156892 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156871 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Very Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156894 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156885 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156875 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156876 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156884 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156872 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156868 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156869 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2156882 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2154359 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2154357 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2154352 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2154351 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2154356 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2154354 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2154353 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2154355 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2154349 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155395 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155422 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155424 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155405 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155409 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155401 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155411 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155392 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155414 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155406 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155394 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | Full Recourse | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155416 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No | No | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Very Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155412 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155419 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155425 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155415 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155390 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155400 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155391 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155421 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155399 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155417 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155398 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155402 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155420 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 3-Stated/Partially Verified | No | XXX | XXX | No | No | No | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 3-Stated/Partially Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155397 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155423 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155413 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155403 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No | No | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155407 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No |  |  | First-Time Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  | XXX |  |  |  |
| XXX | 2155410 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 1-Not Stated/Not Verified | No | XXX | XXX | No |  |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | XXX | XXX | XXX |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155396 | XXX |  |  |  |  |  |  | Yes | No | XXX |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2155408 | XXX |  |  |  |  |  |  | Yes | Yes | XXX |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | Yes | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | XXX | XXX | No | No |  | Experienced Investor | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  | XXX | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |

---

## Exhibit 99.02

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

**Exhibit 99.02**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC. The review included a total of 99 residential mortgage loans in connection with the securitization identified as EFMT 2026-NQM7 (the "Securitization"). The Review was conducted from September 2022 through June 2026 on mortgage loans originated between September 2022 and April 2026.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

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

● Validate subject loan monthly payment (PITI) and associated obligations

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

● Validate monthly recurring liabilities

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

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

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

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

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

c. Review borrower's occupancy

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

f. Confirm that Final 1003 is sufficiently completed

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

h. Confirm Loan Approval conditions were met

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

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:

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 (99 loans in total):

Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product along with a Reconciliation of the values was completed. There were six (6) occurrences of this.

BPOs or AVMs were obtained for loans seasoned 24 or more months at the time of review.

Twenty-seven (27) loans had an AVM, twenty-five (25) loans had a Desktop Review, and zero (0) loans had a BPO.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the ninety-nine (99) mortgage loans reviewed, seventy-eight (78) unique mortgage loans (78.79% by loan count) had a total of one hundred eight-four (184) discrepancies across seventeen (17) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Total Qualified Assets for Reserves Post-Close | &nbsp;&nbsp;57 | &nbsp;&nbsp;30.98% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;45 | &nbsp;&nbsp;24.46% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;40 | &nbsp;&nbsp;21.74% |
| &nbsp;&nbsp;Lock Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;4.89% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.26% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.26% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.72% |
| &nbsp;&nbsp;Convertible ARM Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.63% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.09% |
| &nbsp;&nbsp;ARM Initial Interest Rate Minimum | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.09% |
| &nbsp;&nbsp;ARM Initial Interest Rate Maximum | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.09% |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.09% |
| &nbsp;&nbsp;UW_FICO_Utilized | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;Borrower 2 Origination FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;Liquid_Cash_Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;Months_Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**184** | &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 | 79 | $55301087.00 | 79.80% |
| Event Grade B | 20 | $15173923.00 | 20.20% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 99 | $70475010.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 93 | 93.94% |
| Event Grade B | 6 | 6.06% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 99 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 92 | 92.93% |
| Event Grade B | 7 | 7.07% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 99 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 89 | 89.90% |
| Event Grade B | 10 | 10.10% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 99 | 100.00% |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;71 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &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;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No evidence of required debt payoff | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Photo Identification not provided | &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;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing an established escrow impound account for taxes and insurance. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**97** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &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;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &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;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**63** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;74 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal incomplete (missing map, layout, pages, etc.) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Appraisal photos | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**91** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Subject property was listed for sale within a time period not allowed per guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**11** |

---

**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 99.02

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

**Exhibit 99.02 - Schedule 1**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2165800 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Tape Data XX/XX/XXXX is correct XXX data entry is correct therefore XXX issue |
| 2143784 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | confirmed using lock agreement |
| 2143784 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Confirmed using Final 1003 and asset document |
| 2143785 | XXXXX |  | Qualifying CLTV | XXX | XXX | Verified with XXX - XXX reports with two decimal places |
| 2143786 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | XXX updated as per Final 1003 |
| 2143786 | XXXXX |  | Qualifying CLTV | XXX | XXX | Variance is due to system/tape rounding to the nearest whole percent. |
| 2143786 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Total Qualified Assets for Reserves updated as per Document |
| 2143787 | XXXXX |  | Qualifying CLTV | XXX | XXX | Due to Decimal placement and lender rounding up |
| 2143787 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Lender assets entered as XXX vs XXX% of value XXX |
| 2143788 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Including subject property Total number of mortgaged property is XXX |
| 2143788 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Asset has been verified as per recent bank Statements |
| 2143789 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | XXX updated as per Final 1003 (XXX Financed REO + Subject Property) |
| 2143790 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% DTI greater than XXX% XXX DTI due to slightly higher All Other Monthly Payments used in Qualifying because of higher calculated Property taxes documented in file. |
| 2143790 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | asets verified wirh documentation |
| 2143791 | XXXXX |  | Qualifying CLTV | XXX | XXX | Rounded Up |
| 2143792 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | per loan application and credit report |
| 2143792 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | per bank Statements |
| 2143794 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Confirmed |
| 2143794 | XXXXX |  | Qualifying CLTV | XXX | XXX | LTV is confirmed |
| 2143794 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Assets are confirmed |
| 2143795 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | XXX Number of properties is correct Per 1003. |
| 2143795 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Total assets are correct |
| 2143798 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Approval verifies the XXX. |
| 2143798 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Property docs verify the XXX. |
| 2143798 | XXXXX |  | Qualifying CLTV | XXX | XXX | Purchase price and appraised value verify the CLTV |
| 2143798 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Asset docs verify total qualified assets |
| 2143799 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | XXX correct. Borrower has mortgage on primary,XXX investment properties and the subject investment property. Total XXX mortgaged properties. |
| 2143799 | XXXXX |  | Qualifying CLTV | XXX | XXX | Confirmed, calculation matches lender at XXX |
| 2143799 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX correct matches XXX pg XXX |
| 2143799 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Total assets available after closing $XXX assets and final XXX pg XXX |
| 2143799 | XXXXX |  | Verified Doc Type | XXX | XXX | XXX correct XXX month bank Statement utilized per approval and income calculation from lender. |
| 2143800 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Borrower owns XXX properties but only has XXX of them mortgaged and primary residence has XXX mortgages. |
| 2143802 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Number of Mortgages confirmed XXX; not the same as credit liabilities |
| 2143802 | XXXXX |  | Qualifying CLTV | XXX | XXX | LTV/CLTV confirmed as XXX (value $XXX/Loan amount $XXX) |
| 2143802 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | total qualified assets confirmed as XXX per the bank Statements |
| 2143803 | XXXXX |  | Qualifying CLTV | XXX | XXX | Variance is due to system/tape rounding to the nearest whole precent. |
| 2143803 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per documentation in the file and guidelines the qualifying assets are $XXX. |
| 2143804 | XXXXX |  | Qualifying CLTV | XXX | XXX | Qualifying CLTV is 35.66%, which is verified by the loan amount/appraised value. XXX/XXX. |
| 2143807 | XXXXX |  | Qualifying CLTV | XXX | XXX | Possible rounding issue |
| 2143807 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per Final 1003 cash back at close XXX vs final CD XXX |
| 2143815 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Borrower has only XXX mortgage properties - the subject and |
| 2143815 | XXXXX |  | Qualifying CLTV | XXX | XXX | Loan amount $XXX/Appraised value XXX=42.81% CLTV |
| 2143815 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Total assets verified XXX. XXX- needed at closing as loan is a cash out refinance $XXX for reserves post closing. |
| 2143816 | XXXXX |  | Qualifying CLTV | XXX | XXX | Variance is due to system/tape rounding to the nearest whole precent. |
| 2143818 | XXXXX |  | Qualifying CLTV | XXX | XXX | Verified CLTV using the XXX and approval |
| 2143823 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | The Auditor has confirm the XXX as per the lock confirmation |
| 2143823 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | The Auditor has confirm the number of the properties as per the 1003 |
| 2143823 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | The Auditor has confirm the reserve as per the guidelines |
| 2143824 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Verified XXX with this loan |
| 2143824 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Verified XXX $ XXX |
| 2143827 | XXXXX |  | Qualifying CLTV | XXX | XXX | Variance is due to system/tape rounding to the nearest whole precent. |
| 2143827 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Qualifying assets of XXX is the assets after cash to close and required assets. |
| 2143829 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Subject Property (Investment); Primary; and Other Investment total XXX mortgages-validated. |
| 2143829 | XXXXX |  | Qualifying CLTV | XXX | XXX | XXX divided into XXX = XXX Rounded. |
| 2143829 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Assets verified utilizing XXX% mot XXX% = $XXX. |
| 2143837 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Verified XXX mortgaged property |
| 2143837 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Verified total assets using bank Statements |
| 2143839 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Per Final 1003 XXX mortgage properties |
| 2143839 | XXXXX |  | Qualifying CLTV | XXX | XXX | Per XXX , XXX rounded up to XXX up in XXX |
| 2143839 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per Final 1003 B3 only one with assets totaling XXX Variance is just due to not adding cents |
| 2143843 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Per Final Lender Approval - XXX XX/XX/XXXX |
| 2143843 | XXXXX |  | Qualifying CLTV | XXX | XXX | Per XXX DTI XXX |
| 2143843 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Per Final 1003 |
| 2143847 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Only XXX mortgages on borrower's credit report. pg XXX |
| 2143847 | XXXXX |  | Qualifying CLTV | XXX | XXX | XXX displayed as an exact whole number percentage.XXX displayed as a rounded decimal. |
| 2143852 | XXXXX |  | ARM Initial Interest Rate Cap | XXX | XXX | XXX confirmed using Note |
| 2143852 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | XXX confirmed using Lock Confirmation |
| 2143852 | XXXXX |  | Qualifying CLTV | XXX | XXX | CLTV matches XXX |
| 2143852 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | XXX confirmed using available Assets |
| 2143853 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Verified XXX with this loan |
| 2143853 | XXXXX |  | Qualifying CLTV | XXX | XXX | Verified Lenders XXX reflects Qualifying CLTV 57.01% |
| 2143853 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Verified XXX $ XXX |
| 2143855 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Per the Lock confirmation the XXX is XXX/XXX. |
| 2143855 | XXXXX |  | Qualifying CLTV | XXX | XXX | Variance is due to system/tape rounding to the nearest whole precent. |
| 2143855 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | The file is missing the assets of XXX |
| 2143858 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Number of mortgaged property updated as per Final 1003 |
| 2143858 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Total qualified asset verified with XXX and updated required % as per Guideline |
| 2143862 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | ARM initial interest rate is correct |
| 2143862 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | ARM initial interest rate is correct. |
| 2143862 | XXXXX |  | Convertible ARM Flag | XXX | XXX | Convertible flag is correct |
| 2143862 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Mortgage properties correct per Final 1003. |
| 2143862 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is off due to lower income calculation. |
| 2143862 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Total assets verified using assets on file |
| 2143862 | XXXXX |  | Verified Doc Type | XXX | XXX | Doc type is correct per bank Statements on file. |
| 2143864 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Assets confirmed per bank Statements |
| 2143865 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | XXX XXX verified per Lock confirmation doc in file. pg XXX |
| 2143865 | XXXXX |  | Qualifying CLTV | XXX | XXX | XXX CLTV displayed as a whole number percentage. Tape CLTV displayed as a rounded decimal. |
| 2143865 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Assets verified per most recent transaction history. pg XXX |
| 2143867 | XXXXX |  | ARM Initial Interest Rate Cap | XXX | XXX | Per Note |
| 2143867 | XXXXX |  | Convertible ARM Flag | XXX | XXX | Per Note |
| 2143867 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Subject will be 2nd financed property. |
| 2143867 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Assets as documented in the loan file. |
| 2143869 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Reviewed and Audited |
| 2143869 | XXXXX |  | Qualifying CLTV | XXX | XXX | Reviewed and Audited |
| 2143869 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Reviewed and Audited |
| 2143870 | XXXXX |  | Qualifying CLTV | XXX | XXX | XXX is supported by the loan amount and the appraised property value. |
| 2143870 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | The asset documentation verifies available asset balances. |
| 2143872 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Per Credit Report there are only XXX mortgages |
| 2143872 | XXXXX |  | Qualifying CLTV | XXX | XXX | Per XXX - XXX% and system rounded XXX% |
| 2143872 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Auditor calculated Total debts of XXX vs Lender's XXX which increased DTI to XXX% |
| 2143872 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Assets calculated using XXX took XXX% of the bonds per guidelines for a total assets of XXX @ XXX% XXX |
| 2143876 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Audited per the credit report the subject is the only property with a mortgage |
| 2143876 | XXXXX |  | Qualifying CLTV | XXX | XXX | Audited 1st mortgage XXX / Purchase Price XXX = 74.31% LTV/CLTV |
| 2143876 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Audited confirmed with the asset Statements in the loan file. |
| 2143879 | XXXXX |  | Qualifying CLTV | XXX | XXX | Matches XXX - Tape data using decimal form |
| 2143879 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Matches XXX - confirmed with assets provided |
| 2143881 | XXXXX |  | Qualifying CLTV | XXX | XXX | Rounding. |
| 2143881 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Amount reflects the available assets via documentation found in file |
| 2143887 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Number of Mortgage updated as per Final 1003 |
| 2143887 | XXXXX |  | Qualifying CLTV | XXX | XXX | CLTV matches with XXX |
| 2143887 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Total Qualified Assets Reserves updated as per Deal Guide |
| 2143890 | XXXXX |  | Borrower 2 Origination FICO | XXX | XXX | The credit score is supported by the rcedit report. |
| 2143890 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | The borrower currently two mortgaged properties, including the subject property. |
| 2143890 | XXXXX |  | Qualifying CLTV | XXX | XXX | The XXX and CLTV supported by the sales contract, appraisal and appraised value. |
| 2143890 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | The assets were documented with the bank Statements in the file. |
| 2143891 | XXXXX |  | Qualifying CLTV | XXX | XXX | XXX is match with XXX Rounding off |
| 2143891 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Update as per Assets document |
| 2143893 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Number of mortgages are correct |
| 2143893 | XXXXX |  | Qualifying CLTV | XXX | XXX | CLTV is correct and matches lenders. |
| 2143893 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Verified assets using Statements on file |
| 2143895 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Number of properties is correct |
| 2143895 | XXXXX |  | Qualifying CLTV | XXX | XXX | CLTV is correct rounding system in place. |
| 2143895 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Verified using assets. |
| 2143898 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Per 1003 and credit report |
| 2143898 | XXXXX |  | Qualifying CLTV | XXX | XXX | CLTV is correct and matches lenders. |
| 2143898 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Verified using Statements on file |
| 2143906 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Tape was rounded up. |
| 2143906 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | The difference is the unverified initial deposit from contract and CD. |
| 2143907 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Verified using Final 1003 and Credit Report |
| 2143907 | XXXXX |  | Qualifying CLTV | XXX | XXX | LTV matches XXX |
| 2143907 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Updated as per the Assets available in the file |
| 2143911 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Confirmed Per 1003 |
| 2143911 | XXXXX |  | Qualifying CLTV | XXX | XXX | Confirmed rounding |
| 2143911 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Confirmed with documents in file |
| 2143912 | XXXXX |  | ARM Initial Interest Rate Maximum | XXX | XXX | Verified with Note document |
| 2143912 | XXXXX |  | ARM Initial Interest Rate Minimum | XXX | XXX | Verified with Note document |
| 2143912 | XXXXX |  | Convertible ARM Flag | XXX | XXX | Verified with document |
| 2143912 | XXXXX |  | Qualifying CLTV | XXX | XXX | Lender method, LTV and CLTV as per approval, verified with Appraisal in file |
| 2143912 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Matched approval and Assets in file |
| 2143914 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX verified by Initial 1003 as XX/XX/XXXX |
| 2143914 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | verified by assets Statements |
| 2143917 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed the initial XXX is XX/XX/XXXX |
| 2143917 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Confirmed that there are XXX mortgaged properties. |
| 2143917 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Auditor used the most updated bank Statement in the file |
| 2143918 | XXXXX |  | Qualifying CLTV | XXX | XXX | XXX CLTV is XXX - Tape Data is XX/XX/XXXX - Due to decimal placement and rounding. |
| 2143918 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | XXX assets were verified per the asset documentation provided in the loan file. |
| 2143919 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | XXX updated as per Lock confirmation document |
| 2143919 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Updated as per Final 1003 and Credit Report |
| 2143919 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Reserves verified with asset |
| 2143920 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Compliance |
| 2143920 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Properties Owned |
| 2143923 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Per Final 1003, XXX total properties reflected. Tape date does not include subject property. |
| 2143923 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Amount reflects the available assets via documentation found in file. |
| 2143927 | XXXXX |  | Qualifying CLTV | XXX | XXX | ROUNDED VALUE |
| 2143927 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | RESERVES - XXX |
| 2143928 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Assets per approval, total minus escrow deposit as lender calculation. |
| 2143929 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Confirmed property count |
| 2143929 | XXXXX |  | Qualifying CLTV | XXX | XXX | Rounding |
| 2143929 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Confirmed assets with docs in file. |
| 2143934 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | mortgaged plus subject |
| 2143934 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | bank Statements and percent permitted |
| 2143938 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | Number of mortgages is XXX |
| 2143938 | XXXXX |  | Qualifying CLTV | XXX | XXX | same value, decimal in the wrong place. |
| 2143938 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | The total amount of assets are XX/XX/XXXX per asset Statements. |
| 2143940 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | The Auditor has confirmed the number of the properties |
| 2143940 | XXXXX |  | Qualifying CLTV | XXX | XXX | The Auditor has confirmed the CLTV |
| 2143941 | XXXXX |  | Qualifying CLTV | XXX | XXX | CLTV Matches with XXX rounded up |
| 2143941 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | Asset updated as per Asset Document |
| 2143942 | XXXXX |  | Number of Mortgaged Properties | XXX | XXX | XXX-XXX properties- XXX & XXX. |
| 2143942 | XXXXX |  | Qualifying CLTV | XXX | XXX | XXX- Appraised Value-$XXX/Loan Amount-$XXX= XXX% |
| 2143942 | XXXXX |  | Total Qualified Assets for Reserves Post-Close | XXX | XXX | XXX- Assets in file XXX |
| 2165807 | XXXXX |  | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI Discrepancies Income Variance: Audited income is XXX per monthnth, Lender and AUS are using XXX per monthnth. Variance $XXX. DTI Comparison Audited DTI: Front XXX% Back XXX% XXX DTI: Front XXX% Back XXX% AUS LP Accept/Ineligible: Front XXX% Back XXX% Observation: All variances are within the allowable XXX% tolerance and meet Guideline DTI of XXX% |
| 2165809 | XXXXX |  | QM Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed the audit DTI of XXX% which matches DU submission #XXX. |
| 2165811 | XXXXX |  | QM Qualifying Total Debt Income Ratio | XXX | XXX | Verified to Final CD; XXX paid via points for exclusion of XXX premium |
| 2165811 | XXXXX |  | Qualifying LTV | XXX | XXX | Verified to Loan approval, loan amount / appraised value (rounded) |
| 2165812 | XXXXX |  | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI discrepancy is due to the lender calculating REO property (XXX) with the bi weekly payment amount rather than the monthly. |
| 2165813 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the initial 1003 in file |
| 2165816 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the initial 1003 in file |
| 2165820 | XXXXX |  | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI Discrepancy: The lender used total other monthly payments of XXX whereas our calculation resulted in XXX which caused the DTI discrepancy. Reviewer using the higher amount and it also agrees with Final DU #XXX on page XXX |
| 2165823 | XXXXX |  | QM Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed all numbers match. |
| 2165824 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the initial 1003 in file |
| 2143778 | XXXXX | XXXXX | Liquid_Cash_Reserves | XXX | XXX | Per assets in file |
| 2143778 | XXXXX | XXXXX | Months_Reserves | XXX | XXX | Per assets in file |
| 2143778 | XXXXX | XXXXX | UW_FICO_Utilized | XXX | XXX | Per credit report |

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## Exhibit 99.02

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

**Exhibit 99.02 - Schedule 2**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 2165798 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165798 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165798 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165799 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | XXXXX | Credit | AUS Not Provided | Missing AUS. Final AUS is missing pages and unable to determine submission number. Final XXX does match AUS DTI and assets on page XXX | Document Uploaded. AUS | 04/23/2026 | AUS is not missing. | 04/24/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2165799 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2165799 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2165800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165801 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Rescinded | XXXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Verification of Rent (VOR) | Document Uploaded. That is incorrect - Please see attached which clearly States that rental history is required only if the subject is a Second Home, Investment Property or there is a Non-Occupant Borrower. It is noted that the AUS cert does not require rental verification. ; Your rejection States - Per XXX section of guidelines for: Second Home / Investment Properties / Non-Occupant Borrowers Current Housing Payment - the subject is a Primary residence and this is not required ; Invalid Per the XXX , rent must be verified only if the subject is a Second Home, Investment Property or there is a Non-Occupant Borrower. In this case the subject is a primary residence. | 05/06/2026 | Rescinded, not required on XXX; Clarification: Due to currently renting status and purchasing Primary Residence, guidelines verify the following: Borrower must document the following when they do not own a Primary Residence: - XXX Cancelled Checks or equivalent payment source - XXX Bank Statements reflecting a clear and consistent payment to an organization or individual - Direct Verification of Rent from a management company or individual landlord, supported by XXX cancelled checks, or - A copy of a current, fully executed lease agreement and XXX cancelled checks (or equivalent payment source) supporting the rental payment amount. ; Per XXX section of guidelines for: Second Home / Investment Properties / Non-Occupant Borrowers Current Housing Payment • Borrowers must document their current housing expense with one of the following when they do not currently own a primary residence: o XXX canceled checks or equivalent payment source; XXX bank Statements reflecting a clear and consistent payment to an organization or individual o direct verification of rent from a management company or individual landlord; or a copy of a current, fully executed lease agreement and XXX canceled checks (or equivalent payment source) supporting the rental payment amount. Please provide Rent verification for the departing rental, per the XXX. | 05/07/2026 | A |
| 2165801 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165801 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165802 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Acknowledged | XXXXX | Compliance | RESPA XXX Disclosure Date Test | This loan failed the XXX disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a XXX disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe XXX disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of XXX that provide relevant counseling services in the loan applicant's location. The list of XXX distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of XXX provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of XXX. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. | This loan failed the XXX disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a XXX disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe XXX disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of XXX that provide relevant counseling services in the loan applicant's location. The list of XXX distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of XXX provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of XXX. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XX/XX/XXXX. |  | Acknowledged, accepting 2/B grading. | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 2165802 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | XXXXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Per XXX initial LE is dated XX/XX/XXXX which is missing from the file. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Document Uploaded. Loan Estimate dated XX/XX/XXXX | 04/23/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 2165802 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | XXXXX | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Per XXX initial LE is dated XX/XX/XXXX which is missing from the file. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Document Uploaded. Loan Estimate dated XX/XX/XXXX | 04/23/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 2165802 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | XXXXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Per XXX initial LE is dated XX/XX/XXXX which is missing from the file. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Also Please provide the XXX dated within XXX days of the application | Loan Estimate dated XX/XX/XXXX | 04/23/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 2165802 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | XXXXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per XXX report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XX/XX/XXXX. | Document Uploaded. Loan Estimate dated XX/XX/XXXX | 04/23/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 2165802 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Clarify the T/I for property XXX . of $XXX. Documentation was not provided to support the amount. | Document Uploaded. XXX Taxes & Insurance | 04/23/2026 | Client provided Taxes & Insurance documents for REO XXX to confirm XXX expense. | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 2165802 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 2165803 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165803 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165803 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165804 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165804 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165804 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165805 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165805 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165805 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165806 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Acknowledged | XXXXX | 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 XXX-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 XXX(a)(XXX)). Documentation required to clear exception- Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the closing date is required but missing from the file. If borrower waived the XXX day timing requirement provide an executed appraisal waiver and evidence the appraisal was received the day of closing. | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-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 XXX(a)(XXX)). Documentation required to clear exception- Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the closing date is required but missing from the file. If borrower waived the XXX day timing requirement provide an executed appraisal waiver and evidence the appraisal was received the day of closing. |  | Acknowledged, accepting 2/B grading | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165806 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165806 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided within XXX% Tolerance |  |  | Third party valuation product provided within tolerance. | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2143784 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | A |
| 2143784 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | A |
| 2143784 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | A |
| 2143785 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Acknowledged | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide the UCDP - FNMA document is missing |  |  | Final B grade; additional XXX was required to support value.; Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance; Value not within tolerance; additional product is required. | 06/01/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.37% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.37% is less than Guideline LTV of 75% A |
| 2143785 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.37% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.37% is less than Guideline LTV of 75% A |
| 2143785 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.37% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.37% is less than Guideline LTV of 75% A |
| 2143786 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143786 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143786 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143787 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Acknowledged | XXXXX | Credit | Property Title Issue | Property Title Issue Property is in the name of an XXX. An exception was granted using excellent credit and extra reserves. |  |  | Lender exception provided supported by the following compensating factors: Excellent credit, excellent reserves. Exception downgraded to a level 2/B. | 06/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 18.87% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.87% is less than Guideline CLTV of 75% A |
| 2143787 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 18.87% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.87% is less than Guideline CLTV of 75% A |
| 2143787 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 18.87% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.87% is less than Guideline CLTV of 75% A |
| 2143788 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided within XXX% Tolerance |  |  | Document Uploaded. ; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided within XXX% Tolerance | 02/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% A |
| 2143788 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% A |
| 2143789 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143789 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143789 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143790 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143790 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143790 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143791 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 02/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.27% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.27% is less than Guideline LTV of 65% A |
| 2143791 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.27% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.27% is less than Guideline LTV of 65% A |
| 2143791 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.27% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.27% is less than Guideline LTV of 65% A |
| 2143792 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143792 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143792 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143794 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Acknowledged | XXXXX | Credit | Guideline Seasoning not Met | XXX seasoning on C/O per guidelines. Lender exception provided with the following compensating factors: Low LTV, CO was used for savings Guideline seasoning requirement has not been met. |  |  | Lender exception provided supported by the following compensating factors: Low LTV, cash out for reserves. Exception downgraded to a level 2/B. | 06/01/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.31% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.31% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2143794 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Acknowledged | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Final B grade; additional TPV was required to support value.; Third party valuation product provided within tolerance.; Document Uploaded. ; ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Confidence score of XXX% FSD: XXX. Additional review required.; Document Uploaded. | 06/01/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.31% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.31% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2143795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 06/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143798 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143798 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143798 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143799 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.22% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.22% is less than Guideline CLTV of 70% A |
| 2143799 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.22% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.22% is less than Guideline CLTV of 70% A |
| 2143800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. within tolerance ; Document Uploaded. | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% A |
| 2143800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% A |
| 2143802 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143802 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143803 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.85% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 29.85% is less than Guideline LTV of 65% A |
| 2143803 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.85% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 29.85% is less than Guideline LTV of 65% A |
| 2143804 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Per XXX , the collateral underwriter risk score is XXX. |  |  | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. within tolerance ; Document Uploaded. | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.66% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.66% is less than Guideline LTV of 65% D A |
| 2143804 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXXX | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy The hazard insurance policy could not be located in the file. the Insurance Policy payment receipt to XXX and the Insurance worksheet was located. The data from these documents was used to enter the monthly insurance payment and coverage amount. | Document Uploaded. see uipload | 10/31/2025 | Hazard Insurance Policy is fully present | 10/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.66% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.66% is less than Guideline LTV of 65% D A |
| 2143807 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide. | CCA uploaded. | 02/16/2026 | Third party valuation product provided within tolerance. Desk review was provided and within variance.; Document Uploaded. | 02/17/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.79% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.79% is less than Guideline LTV of 80% A |
| 2143807 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.79% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.79% is less than Guideline LTV of 80% A |
| 2143807 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.79% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.79% is less than Guideline LTV of 80% A |
| 2143815 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Acknowledged | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CCA uploaded | 02/16/2026 | Final B grade; additional TPV was required to support value.; Third party valuation product provided within tolerance. Desk review was provided and within variance.; Document Uploaded. ; ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Document Uploaded. | 06/01/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.81% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.81% is less than Guideline LTV of 75% A |
| 2143815 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Acknowledged | XXXXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX |  |  | Acknowledged as 2/B grading per client request | 11/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.81% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.81% is less than Guideline LTV of 75% A |
| 2143816 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.93% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.93% is less than Guideline LTV of 75% A |
| 2143816 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.93% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.93% is less than Guideline LTV of 75% A |
| 2143818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Acknowledged | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CCA uploaded | 02/16/2026 | Final B grade; additional TPV was required to support value.; Third party valuation product provided within tolerance. Desk review was provided and within variance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Document Uploaded. | 06/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2143818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2143823 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143823 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143823 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143824 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 06/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143824 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143827 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | XXXXX | Credit | Title Document Missing | Title Document is missing Loan file contains a supplemental report. Lender to provide original title report for verification. | Document Uploaded. see FTP | 11/04/2025 | Title Document is fully Present | 11/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.51% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 28.51% is less than Guideline LTV of 75% D A |
| 2143827 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.51% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 28.51% is less than Guideline LTV of 75% D A |
| 2143829 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. Desk review was provided and within variance.; Document Uploaded. | 02/17/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2143829 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2143829 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2143837 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | XXXXX | Credit | Title Document Missing | Title Document is missing Title Document is missing | Document Uploaded. see FTP | 11/04/2025 | Title Document is fully Present | 11/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2143837 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2143839 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | XXXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Per Lender guidelines All mortgages, for all financed REO owned by the borrower(s), must be verified, and reflect XXX day late payments within the last XXX months. XXX) B1 indicates No Primary housing expense, however no evidence provided with documentation to support free/clear. XXX) B2 - Property Located at XXX ., per letter of explanation in file. Mortgage is paid by daughter and XXX months bank Statements were provided, however missing Statement for the past XXX month showing property paid XXX, XXX, XXX) Investment property XXX missing XX/XX/XXXX payment to support XXX , XXX , XXX in the past XXX months | Document Uploaded. | 11/04/2025 | Housing History Meets Guideline Requirements | 11/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.95% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.95% is less than Guideline LTV of 65% D A |
| 2143839 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | XXXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per Final 1003 B1 has not primary housing expense. Per guidelines no verification is required, however missing documentation to support property is Owned Free/Clear | Document Uploaded. | 11/04/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 11/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.95% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.95% is less than Guideline LTV of 65% D A |
| 2143839 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.95% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.95% is less than Guideline LTV of 65% D A |
| 2143843 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing Evidence of Taxes and Insurance for XXX ., XXX, XXX to support total housing of XXX due to Mortgage Statement provided only reflect Principal and Interest. | Document Uploaded. | 11/08/2025 | Received a XXX it of the guidelines from the client. Loan is a no ratio loan and only XXX months of subject PITIA reserves are required. In addition, additional documentation is not a requirement. | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.24% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 20.24% is less than Guideline LTV of 65% D A |
| 2143843 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.24% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 20.24% is less than Guideline LTV of 65% D A |
| 2143843 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.24% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 20.24% is less than Guideline LTV of 65% D A |
| 2143844 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143844 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143847 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.51% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.51% is less than Guideline LTV of 75% A |
| 2143847 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.51% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.51% is less than Guideline LTV of 75% A |
| 2143852 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Subject Property is a multi-unit so the UCDP scores are not provided. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. | 02/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.49% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 21.49% is less than Guideline CLTV of 75% A |
| 2143852 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.49% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 21.49% is less than Guideline CLTV of 75% A |
| 2143853 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.01% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.01% is less than Guideline CLTV of 75% A |
| 2143853 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.01% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.01% is less than Guideline CLTV of 75% A |
| 2143855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | XXXXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Guidelines require XXX months of reserves. File is missing qualified assets. Per the Final 1003, the business account #XXX was to be used. The Statement dated XX/XX/XXXX for this account shows a balance of $XXX. Reserve requirements are not met. | The required number of months reserves are to be seasoned does not meet Guideline requirement. Guidelines require XXX months of reserves. File is missing qualified assets. Per the Final 1003, the business account #XXX was to be used. The Statement dated XX/XX/XXXX for this account shows a balance of $XXX. Reserve requirements are not met. |  | The required number of months reserves are to be seasoned does meet Guideline requirement.; ; Received two-month bank Statements from the borrowers XXX ending in #XXX with an ending balance of XXX dated XX/XX/XXXX. However, the Final 1003 section XX/XX/XXXX States a checking account from the borrower's business funds account ending #XXX with a balance of XXX was to be used. The original Statement for account #XXX or an updated Final 1003 showing the personal account as an asset is needed.; Document Uploaded. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2143855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | XXXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. File is missing qualified assets. Per the Final 1003, the business account #XXX was to be used. The Statement dated XX/XX/XXXX for this account shows a balance of $XXX. Reserve requirements are not met. |  |  | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; ; Received two-month bank Statements from the borrowers XXX ending in #XXX with an ending balance of XXX dated XX/XX/XXXX. However, the Final 1003 section XX/XX/XXXX States a checking account from the borrower's business funds account ending #XXX with a balance of XXX was to be used. The original Statement for account #XXX or an updated Final 1003 showing the personal account as an asset is needed.; Document Uploaded. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2143855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2143858 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% A |
| 2143858 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% A |
| 2143862 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/11/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143862 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/11/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143864 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143864 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143865 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Acknowledged | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Property is a XXX unit. XXX appraisal does not score on UCDP |  |  | Final B grade; additional TPV was required to support value.; Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Document Uploaded. | 06/01/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.46% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.46% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143865 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Resolved | XXXXX | Credit | Property Title Issue | Property Title Issue Client acknowledged Transfer to Borrower's Name. Only one compensating factor (reserves) was provided. Need a second compensating factor. | Document Uploaded. Second compensating factor added | 11/12/2025 | Property Title Issue Resolved; Received an additional compensating factor request for the property title issue of LTV lower than guideline maximum. Based off guidelines dated XX/XX/XXXX LTV of 54.46% is significantly lower than XXX% maximum. Two compensating factor requirement met. | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.46% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.46% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143867 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Rescinded | XXXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing lease agreements for the following properties XXX , XXX , XXX and XXX . Leases required to determine rental income for all REO properties. Lender to provide all required lease agreements. | Document Uploaded. see rebuttal, simplified method was u sed. vs traditional m ethod | 01/15/2026 | ; Income and Employment Meet Guidelines. Loan was completed using assets (no DTI). The simplified method was utilized as provided by the lender. Sufficient - cleared. | 01/27/2026 | D A C |
| 2143867 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of tax and insurance for XXX , Monthly HOA dues for XXX and XXX , XXX and insurance for XXX . | Document Uploaded. see uploads | 01/15/2026 | Received documentation to support the requested HOA / HOI and or Taxes for the REO properties. Sufficient documentation provided. | 01/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2143867 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2143869 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.98% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.98% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143869 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.98% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.98% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143870 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 34.6% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.6% is less than Guideline CLTV of 80% A |
| 2143870 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 34.6% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.6% is less than Guideline CLTV of 80% A |
| 2143872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Acknowledged | XXXXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Trust Assets are only considered where the borrower is a XXX% beneficiary of the trust per guidelines. Lender has cited additional DTI reserves as compensating factors to allow for an exception to guidelines. Compensating factors : DTI, Reserves |  |  | Lender exception provided supported by the following compensating factors: low DTI, good reserves. Exception downgraded to a level 2/B. | 06/01/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.37% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.37% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2143872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Acknowledged | XXXXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Trust Assets are only considered where the borrower is a XXX% beneficiary of the trust per guidelines. Lender has cited additional DTI reserves as compensating factors to allow for an exception to guidelines. Compensating factors : DTI, Reserves | The required number of months reserves are to be seasoned does not meet Guideline requirement. Trust Assets are only considered where the borrower is a XXX% beneficiary of the trust per guidelines. Lender has cited additional DTI reserves as compensating factors to allow for an exception to guidelines. Compensating factors : DTI, Reserves |  | Lender exception provided supported by the following compensating factors: low DTI, good reserves. Exception downgraded to a level 2/B. | 06/01/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.37% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.37% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2143872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.37% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.37% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2143872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.37% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.37% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2143876 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product is not provided in the file. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. ; Document Uploaded. | 06/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143876 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143879 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 44.44% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.44% is less than Guideline CLTV of 80% A |
| 2143879 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 44.44% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.44% is less than Guideline CLTV of 80% A |
| 2143881 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide corrected LOE to confirm if the property at XXX ,XXX has an HOA. | Document Uploaded. Property data report confirms no XXX. | 11/12/2025 | Per the XXX: This is an older home in an established somewhat XXX. This loan program has no ratios, and this is not the subject property. Reserves for other financed properties are based on the PITIA for the subject property. This was a refinance, 46% LTV, with over $XXX in assets and they got $XXX in cash out from the refinance.; Document uploaded verified that property XXX does not have flood insurance. We are still missing verification that the property does not have a monthly HOA payment. | 11/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.15% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.15% is less than Guideline LTV of 65% D A |
| 2143881 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.15% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.15% is less than Guideline LTV of 65% D A |
| 2143887 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Acknowledged | XXXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Payment history does not meet guideline requirements. An exception was granted for the mortgage history late payment using compensating factors of reserves and DSCR ratio exceeded program requirements. |  |  | Lender exception provided supported by the following compensating factors: DSCR, good reserves. Exception downgraded to a level 2/B. | 06/01/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.43% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.43% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143887 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.43% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.43% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143887 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.43% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.43% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143890 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.02% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.02% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143890 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/10/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.02% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.02% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143890 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/10/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.02% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.02% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143891 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143891 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143893 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143893 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/14/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143895 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Acknowledged | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Final B grade; additional TPV was required to support value.; Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Document Uploaded. | 06/01/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.57% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 28.57% is less than Guideline LTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143895 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.57% is less than Guideline CLTV of 65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 28.57% is less than Guideline LTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143898 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Document Uploaded. see ftp | 01/15/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX Final title policy was provided showing updated coverage. | 01/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.92% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.92% is less than Guideline CLTV of 70% A |
| 2143898 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.92% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.92% is less than Guideline CLTV of 70% A |
| 2143906 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXXXX | Compliance | Initial Closing Disclosure Delivery Date Test | Provide evidence the ICD dated XX/XX/XXXX was received a minimum of XXX business days prior to consummation XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. The XX/XX/XXXX CD did not go to the Borrower. The Early CD that went to the Borrower is dated XX/XX/XXXX and was signed XXX/XXX. | 01/14/2026 | Lender confirmed the initial CD was dated XX/XX/XXXX; exception resolved; Lender confirmed the initial CD was dated XX/XX/XXXX; exception resolved | 01/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143906 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXXXX | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). The COC dated XX/XX/XXXX wasn't accepted because the initial CD was missing a received date, therefore not received a minimum of XXX business days prior to closing. Provide evidence the ICD dated XX/XX/XXXX was received a minimum of XXX business days prior to consummation XX/XX/XXXX should clear this exception. | Document Uploaded. The XX/XX/XXXX CD did not go to the Borrower. The Early CD that went to the Borrower is dated XX/XX/XXXX and was signed XXX/XXX. | 01/14/2026 | Lender confirmed the initial CD was dated XX/XX/XXXX; exception resolved; Lender confirmed the initial CD was dated XX/XX/XXXX; exception resolved | 01/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143906 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143906 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143907 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.39% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.39% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143907 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.39% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.39% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.82% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 75% A |
| 2143911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.82% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 75% A |
| 2143912 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Acknowledged | XXXXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property is located in a XXX. Lender exception with comp factors: LTV, Reserves, DSCR |  |  | Lender exception with comp factors: LTV, Reserves, DSCR | 02/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.52% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 48.52% is less than Guideline LTV of 70% A |
| 2143912 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.52% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 48.52% is less than Guideline LTV of 70% A |
| 2143912 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.52% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 48.52% is less than Guideline LTV of 70% A |
| 2143914 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2026 | Rescinded | XXXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Auditor unable to locate source of funds for the XXX deposit |  |  | Borrower had sufficient funds in the XXX account for the ; finding rescinded; Asset Qualification Does Not Meet Guideline Requirements Auditor unable to locate source of funds for the XXX deposit | 02/03/2026 | C A |
| 2143914 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2143914 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2143917 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Acknowledged | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX dated XX/XX/XXXX Collateral R&W Relief Not Eligible XXX dated XX/XX/XXXX, XXX was not preformed for this non UAD form type |  |  | Final B grade; additional TPV was required to support value.; Third party valuation product provided within tolerance.; Document Uploaded. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FSD score above threshold; additional product required.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FSD score above threshold; additional product required.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX dated XX/XX/XXXX Collateral R&W Relief Not EligibleXXX dated XX/XX/XXXX Fannie Mae analysis was not preformed for this non UAD form type | 06/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2143917 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Acknowledged | XXXXX | Property | Subject property was listed for sale within a time period not allowed per guidelines | Property listed for sale until XX/XX/XXXX. Lender exception in file with compensating factors: XXX assets, XXX FICO, cancelled listing in file |  |  | Lender exception in file with compensating factors: XXX assets, XXX FICO, cancelled listing in file | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2143917 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2143917 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2143918 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Document Uploaded. ; Document Uploaded. | 06/01/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.67% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.67% is less than Guideline CLTV of 80% A |
| 2143918 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.67% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.67% is less than Guideline CLTV of 80% A |
| 2143919 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Acknowledged | XXXXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property was listed for sale and withdrawn on XX/XX/XXXX. An exception for the property listing was issued using compensating factors of amount of assets over XXX and FICO score. |  |  | Lender exception provided supported by the following compensating factors: Assets > XXX mm, FICO. Exception downgraded to a level 2/B. | 06/01/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A |
| 2143919 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP FNMA - Score not provided |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP FNMA - Score not provided | 06/01/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A |
| 2143919 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A |
| 2143919 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A |
| 2143920 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Document Uploaded. ; Third party valuation product provided within tolerance. | 02/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2143920 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Acknowledged | XXXXX | Property | Subject property was listed for sale within a time period not allowed per guidelines | Property listed for sale until XX/XX/XXXX. Lender exception in file with compensating factors: XXX assets, XXX FICO, cancelled listing in file. |  |  | Property listed for sale until XX/XX/XXXX. Lender exception in file with compensating factors: XXX assets, XXX FICO, cancelled listing in file. | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2143920 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2143920 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2143923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143926 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143926 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143926 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/02/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/02/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143927 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/02/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143929 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143929 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143929 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide a Desk review product |  |  | Document Uploaded. ; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide a Desk review product | 02/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The source of XXX and XXX wire sent for closing originated in XXX business account; XXX. The use of business assets are eligible as reserves only for XXX. Provide the XXX to show personal funds transferred to XXX, business funds not used. | Document Uploaded. | 02/09/2026 | Excluded $XXX due to originated from business acct and used business asset for reserves only; sufficient funds represented.; Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements The source of XXX and XXX wire sent for closing originated in XXX business account; XXX. The use of business assets are eligible as reserves only for XXX. Provide the XXX to show personal funds transferred to XXX, business funds not used. | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/02/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.19% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.19% is less than Guideline LTV of 80% A |
| 2143938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/02/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.19% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.19% is less than Guideline LTV of 80% A |
| 2143938 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/02/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.19% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.19% is less than Guideline LTV of 80% A |
| 2143940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.99% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.99% is less than Guideline LTV of 75% A |
| 2143940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.99% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.99% is less than Guideline LTV of 75% A |
| 2143940 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.99% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.99% is less than Guideline LTV of 75% A |
| 2143941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.27% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 37.27% is less than Guideline LTV of 75% A |
| 2143941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.27% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 37.27% is less than Guideline LTV of 75% A |
| 2143941 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.27% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 37.27% is less than Guideline LTV of 75% A |
| 2143942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165807 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165807 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165807 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/13/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165808 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165808 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165808 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/01/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165809 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165809 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165809 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165810 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Resolved | XXXXX | Property | Appraisal incomplete (missing map, layout, pages, etc.) | On the Flood Certificate the XXX is XXX. On the appraisal, it reflects FEMA Map No. as XXX. Lender did not update to the correct Map number. | Document Uploaded. | 05/05/2026 | Documentation is sufficient. Updated Flood Cert provided. Exception resolved. | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165810 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2026 | Rescinded | XXXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR) Missing | Your rejection States - Per XXX section of guidelines for: Second Home / Investment Properties / Non-Occupant Borrowers Current Housing Payment • - the subject is a primary residence; Invalid Per the XXX , rent must be verified only if the subject is a Second Home, Investment Property or there is a Non-Occupant Borrower. In this case the subject is a primary residence. | 04/30/2026 | Subject is the Purchase of a Primary Residence. VOR not required. Okay to rescind per management.; Per XXX section of guidelines for: Second Home / Investment Properties / Non-Occupant Borrowers Current Housing Payment • Borrowers must document their current housing expense with one of the following when they do not currently own a primary residence: XXX canceled checks or equivalent payment source; XXX bank Statements reflecting a clear and consistent payment to an organization or individual o direct verification of rent from a management company or individual XXX; or o a copy of a current, fully executed lease agreement and XXX canceled checks (or equivalent payment source) supporting the rental payment amount. Please provide Rent verification for the departing rental, per the Current Housing Payment guideline. | 05/01/2026 | C A |
| 2165810 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165811 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | XXXXX | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 $XXX; 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 XXX is due to increase from XXX to XXX for the Points - Loan Discount Fee on CD XX/XX/XXXX without a COC and an increase from XXX to XXX for the XXX Re-Inspection fee on CD XX/XX/XXXX. The appraisal was subject to as of XX/XX/XXXX, the UCDP shows the appraisal was reviewed XX/XX/XXXX and the final inspection was completed XX/XX/XXXX, however the Re-inspection fee was added on CD XX/XX/XXXX which is not within XXX days. | Document Uploaded. | 04/28/2026 | Valid COC with applicable disclosures provided; exception resolved; Valid COC with applicable disclosures provided; exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 2165811 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2026 | Acknowledged | XXXXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title proposed amount of insurance of XXX is less than loan amount of XXX |  |  | Acknowledged, accepting 2/B grading | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 2165811 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Acknowledged | XXXXX | 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 XXX-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 XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-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 XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  | Acknowledged, accepting 2/B grading | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 2165811 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/20/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 2165812 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Resolved | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. | 04/09/2026 | Third Party Fraud Report is provided; Client provided Third Party Fraud Report. LM Updated. | 04/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165812 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165812 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165813 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Rescinded | XXXXX | Credit | Missing an established escrow impound account for taxes and insurance. | Per guidelines, Escrow for Taxes and insurance are required above 80% LTV. Our current LTV is 85% | My apologies! Per the XXX , sectioned called Escrow/Impound: Escrows are required above XXX% in XXX. ; Per the XXX , the section called XXX "Mortgage Insurance is Not Required". | 04/13/2026 | Per client, "My apologies! Per the XXX , sectioned called Escrow/Impound: Escrows are required above XXX% in XXX." Rescinded | 04/16/2026 | A |
| 2165813 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165813 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/01/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165815 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grading | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2165815 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2165815 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2165816 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165816 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165816 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165817 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165817 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165817 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165819 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | Credit | No evidence of required debt payoff | Missing Final Signed Settlement for departing home XXX , XXX | Document Uploaded. | 04/13/2026 | Evidence of departure sale provided | 04/16/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165819 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/01/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165819 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/01/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165820 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Rescinded | XXXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. B1's primary residence is a rental property, and the XXX-month residence history is missing. A condition has been placed for VOR, and "XXX" has been updated in the Primary Mortgage or XXX. | Document Uploaded. ; This is a purchase of the primary residence (for Borrower 1) with a non-occupying co-borrower. I wasn't able to locate this specific requirement for primary residence borrowers. I do however see these listed requirements when the subject property is a 2nd home, investment property, or with a non-occupant co-borrower who doesn't currently own a primary residence. Being that B2 owns his primary residence, and the mortgage history is already documented in the loan file, can this condition be waived, please? If not, can you provide your specific guideline requiring this rental history for a borrower purchasing a primary residence, please? In regard to the departure housing expense for Borrower-XXX - both the XXX and FNMA guidelines are referencing to document the housing expense (albeit rental or owned) when the subject property is a 2nd Home, Investment property - or if they're a non-occupying borrower. Borrower-XXX is purchasing the subject property as their primary residence, and thus their prior rental history shouldn't need to be verified. However, Borrower-XXX is a non-occupying borrower and as such, their primary housing (mortgage history) has been documented with the mortgage Statement(s) and credit report in file. | 05/06/2026 | Rescinded, not required on XXX; Please provide the XXX month payment history for B2's 1st and 2nd mortgage with XXX as required per XXX. Thank you. | 05/07/2026 | D A |
| 2165820 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. B2 Photo Identification is missing and XXX is not executed. | Document Uploaded. ID | 04/27/2026 | Documentation is sufficient. ID provided. Exception resolved.; Photo Identification provided. | 04/28/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165820 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165820 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165821 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | 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) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS 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; orThe 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; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he 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. Without evidence of receipt, it is assumed that the disclosure dated XXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date of XXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation. | Document Uploaded. | 04/14/2026 | Delivery date provided; Exception resolved; Delivery date provided; Exception resolved | 04/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165821 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Points-Loan discount Fee on the revised LE dated XX/XX/XXXX. Because the loan failed the Revised LE delivery date test due to missing Loan Estimate disclosure delivery date, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation | Document Uploaded. | 04/10/2026 | Valid COC received - exception resolved; Valid COC received - exception resolved | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165821 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/01/2026 | Acknowledged | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 04/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165821 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/01/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165821 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/01/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165822 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. XXX, Minimum Reserve Requirements for investment properties XXX reserves for the following: XXX-unit principal residence transaction, an investment property transaction, and a cash-out refinance transaction with a DTI ratio greater than XXX% | Per AUS submission #XXX, the borrower has XXX excess available assets which is sufficient to cover required reserves of $XXX. | 04/13/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Client response, "Per AUS submission #XXX, the borrower has XXX excess available assets which is sufficient to cover required reserves of $XXX." | 04/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165822 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2026 | Resolved | XXXXX | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 $XXX; 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 XXX is due to increase of the appraisal review fee on the LE dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX does not provide enough information to determine if valid. | Document Uploaded. Email for the COC for Appraisal review fee | 04/14/2026 | Valid COC provided; exception resolved ; Valid COC provided; exception resolved | 04/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165822 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165823 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Acknowledged | XXXXX | 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 XXX-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 XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-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 XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  | Acknowledged, accepting 2/B grading | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165823 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165823 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165824 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | Property | Missing Appraisal photos | Missing Appraisal photos of the subject property and the comps used. | Document Uploaded. | 04/13/2026 | Appraisal with photos provided | 04/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165824 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165824 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2026 | Acknowledged | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grading | 04/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2165825 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2026 | Resolved | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165825 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165825 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/06/2026 | Resolved | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 2165826 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Rescinded | XXXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrowers did not currently own a primary residence at the time of the subject transaction. XXX XX/XX/XXXX require verification of their current rental housing expense of XXX | Per the XXX , rent must be verified only if the subject is a Second Home, Investment Property or there is a Non-Occupant Borrower. In this case the subject is a primary residence. | 04/09/2026 | Not required on primary residence. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client States: Per the XXX , rent must be verified only if the subject is a Second Home, Investment Property or there is a Non-Occupant Borrower. In this case the subject is a primary residence. | 05/07/2026 | B A |
| 2165826 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2026 | Acknowledged | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grading | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2165826 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2026 | Resolved | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2143778 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 10/04/2022 | Cleared | XXXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/04/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 2143778 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 10/04/2022 | Cleared | XXXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/04/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 2143778 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Closed | 10/04/2022 | Cleared | XXXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/04/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |

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## Exhibit 99.02

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

**Exhibit 99.02 - Schedule 3**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2165798 | XXXXX |  | $XXXXXX A |
| 2165799 | XXXXX |  | $XXXXXX D A |
| 2165800 | XXXXX |  | $XXXXXX A |
| 2165801 | XXXXX |  | $XXXXXX A |
| 2165802 | XXXXX |  | $XXXXXX D C A B |
| 2165803 | XXXXX |  | $XXXXXX A |
| 2165804 | XXXXX |  | $XXXXXX A |
| 2165805 | XXXXX |  | $XXXXXX A |
| 2165806 | XXXXX |  | $XXXXXX A B C |
| 2143784 | XXXXX |  | $XXXXXX A |
| 2143785 | XXXXX |  | $XXXXXX A C B |
| 2143786 | XXXXX |  | $XXXXXX A |
| 2143787 | XXXXX |  | $XXXXXX C A B |
| 2143788 | XXXXX |  | $XXXXXX A C |
| 2143789 | XXXXX |  | $XXXXXX A |
| 2143790 | XXXXX |  | $XXXXXX A |
| 2143791 | XXXXX |  | $XXXXXX A C |
| 2143792 | XXXXX |  | $XXXXXX A |
| 2143794 | XXXXX |  | $XXXXXX D A C B |
| 2143795 | XXXXX |  | $XXXXXX A C |
| 2143798 | XXXXX |  | $XXXXXX A |
| 2143799 | XXXXX |  | $XXXXXX A |
| 2143800 | XXXXX |  | $XXXXXX A C |
| 2143802 | XXXXX |  | $XXXXXX A |
| 2143803 | XXXXX |  | $XXXXXX A |
| 2143804 | XXXXX |  | $XXXXXX D A C |
| 2143807 | XXXXX |  | $XXXXXX A C |
| 2143815 | XXXXX |  | $XXXXXX B A C |
| 2143816 | XXXXX |  | $XXXXXX A |
| 2143818 | XXXXX |  | $XXXXXX A C B |
| 2143823 | XXXXX |  | $XXXXXX A |
| 2143824 | XXXXX |  | $XXXXXX A C |
| 2143827 | XXXXX |  | $XXXXXX D A |
| 2143829 | XXXXX |  | $XXXXXX A C |
| 2143837 | XXXXX |  | $XXXXXX D A |
| 2143839 | XXXXX |  | $XXXXXX D A |
| 2143843 | XXXXX |  | $XXXXXX D A |
| 2143844 | XXXXX |  | $XXXXXX A |
| 2143847 | XXXXX |  | $XXXXXX A |
| 2143852 | XXXXX |  | $XXXXXX A C |
| 2143853 | XXXXX |  | $XXXXXX A |
| 2143855 | XXXXX |  | $XXXXXX D A |
| 2143858 | XXXXX |  | $XXXXXX A |
| 2143862 | XXXXX |  | $XXXXXX A |
| 2143864 | XXXXX |  | $XXXXXX A |
| 2143865 | XXXXX |  | $XXXXXX C A B |
| 2143867 | XXXXX |  | $XXXXXX D A |
| 2143869 | XXXXX |  | $XXXXXX A |
| 2143870 | XXXXX |  | $XXXXXX A |
| 2143872 | XXXXX |  | $XXXXXX D A B |
| 2143876 | XXXXX |  | $XXXXXX A C |
| 2143879 | XXXXX |  | $XXXXXX A |
| 2143881 | XXXXX |  | $XXXXXX D A |
| 2143887 | XXXXX |  | $XXXXXX B A |
| 2143890 | XXXXX |  | $XXXXXX A |
| 2143891 | XXXXX |  | $XXXXXX A |
| 2143893 | XXXXX |  | $XXXXXX A |
| 2143895 | XXXXX |  | $XXXXXX A C B |
| 2143898 | XXXXX |  | $XXXXXX B A |
| 2143906 | XXXXX |  | $XXXXXX A C |
| 2143907 | XXXXX |  | $XXXXXX A |
| 2143911 | XXXXX |  | $XXXXXX A |
| 2143912 | XXXXX |  | $XXXXXX A C B |
| 2143914 | XXXXX |  | $XXXXXX C A |
| 2143917 | XXXXX |  | $XXXXXX A C B |
| 2143918 | XXXXX |  | $XXXXXX A C |
| 2143919 | XXXXX |  | $XXXXXX A C B |
| 2143920 | XXXXX |  | $XXXXXX A C B |
| 2143923 | XXXXX |  | $XXXXXX A |
| 2143926 | XXXXX |  | $XXXXXX A |
| 2143927 | XXXXX |  | $XXXXXX A |
| 2143928 | XXXXX |  | $XXXXXX A |
| 2143929 | XXXXX |  | $XXXXXX A |
| 2143934 | XXXXX |  | $XXXXXX C A |
| 2143938 | XXXXX |  | $XXXXXX A |
| 2143940 | XXXXX |  | $XXXXXX A |
| 2143941 | XXXXX |  | $XXXXXX A |
| 2143942 | XXXXX |  | $XXXXXX A |
| 2165807 | XXXXX |  | $XXXXXX A |
| 2165808 | XXXXX |  | $XXXXXX A |
| 2165809 | XXXXX |  | $XXXXXX A |
| 2165810 | XXXXX |  | $XXXXXX A C |
| 2165811 | XXXXX |  | $XXXXXX B C A |
| 2165812 | XXXXX |  | $XXXXXX D A |
| 2165813 | XXXXX |  | $XXXXXX A |
| 2165814 | XXXXX |  | $XXXXXX A |
| 2165815 | XXXXX |  | $XXXXXX A B |
| 2165816 | XXXXX |  | $XXXXXX A |
| 2165817 | XXXXX |  | $XXXXXX A |
| 2165818 | XXXXX |  | $XXXXXX A |
| 2165819 | XXXXX |  | $XXXXXX C A |
| 2165820 | XXXXX |  | $XXXXXX D A |
| 2165821 | XXXXX |  | $XXXXXX A C B |
| 2165822 | XXXXX |  | $XXXXXX C A |
| 2165823 | XXXXX |  | $XXXXXX A B |
| 2165824 | XXXXX |  | $XXXXXX A B D |
| 2165825 | XXXXX |  | $XXXXXX A |
| 2165826 | XXXXX |  | $XXXXXX A B |
| 2143778 | XXXXX | XXXXX | $XXXXXX A |

---

## Exhibit 99.02

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

**Exhibit 99.02 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **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** |
| 2165798 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.77 | 80.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2165799 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 86.76 | 86.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2165800 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | $XXX | $XXX | -.0366 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0366 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2165801 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2165802 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2165803 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | $XXX | $XXX | -.0262 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0262 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 2165804 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 89.99 | 89.99 | $XXX | $XXX | .0664 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0664 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 2165805 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | $XXX | $XXX | -.0925 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0925 | 96.0 | 0.4 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2165806 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | $XXX | $XXX | .2434 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .2434 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |  |
| 2143784 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143785 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 42.37 | 42.37 |  |  |  |  | $XXX | $XXX | -.0678 | XXX |  |  |  |  |  | $XXX | $XXX | -.2574 | 86.0 | 0.14 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | -.0678 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143786 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 66.03 | 66.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143787 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 18.87 | 18.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2143788 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.0 | 65.0 |  |  |  |  | $XXX | $XXX | -.0106 | XXX |  |  |  |  |  | $XXX | $XXX | -.0106 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 2143789 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143790 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143791 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 45.27 | 45.27 |  |  |  |  | $XXX | $XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143792 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143794 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 58.31 | 58.31 |  |  |  |  | $XXX | $XXX | .0000 | XXX |  |  |  |  |  | $XXX | $XXX | .0334 | 82.0 | 0.18 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143795 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143798 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.73 | 79.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143799 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 57.22 | 57.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2143800 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 60.0 | 60.0 |  |  |  |  | $XXX | $XXX | .0093 | XXX |  |  |  |  |  | $XXX | $XXX | .0093 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143802 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.36 | 74.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143803 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 29.85 | 29.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2143804 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 35.66 | 35.66 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0787 | 85.0 | 0.15 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 2143807 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 41.79 | 41.79 |  |  |  |  | $XXX | $XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143815 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 42.81 | 42.81 |  |  |  |  | $XXX | $XXX | -.0955 | XXX |  |  |  |  |  | $XXX | $XXX | -.1338 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | -.0955 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 2143816 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 56.93 | 56.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143818 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 64.96 | 64.96 |  |  |  |  | $XXX | $XXX | .0000 | XXX |  |  |  |  |  | $XXX | $XXX | -.1347 | 85.0 | 0.15 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2143823 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2143824 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0366 | XXX |  |  |  |  |  | $XXX | $XXX | .0366 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143827 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 28.51 | 28.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  | Eligible | 5 |  |
| 2143829 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 67.64 | 67.64 |  |  |  |  | $XXX | $XXX | -.0960 | XXX |  |  |  |  |  | $XXX | $XXX | -.0960 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143837 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143839 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 51.95 | 51.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143843 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 20.24 | 20.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2143844 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2143847 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 46.51 | 46.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 2143852 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 21.49 | 21.49 |  |  |  |  | $XXX | $XXX | .1120 | XXX |  |  |  |  |  | $XXX | $XXX | .1120 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143853 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 57.01 | 57.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143855 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 67.75 | 67.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143858 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143862 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143864 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143865 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 54.46 | 54.46 |  |  |  |  | $XXX | $XXX | .0000 | XXX |  |  |  |  |  | $XXX | $XXX | -.1511 | 82.0 | 0.18 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143867 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 50.0 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | Eligible | 3.3 |  |
| 2143869 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 50.98 | 50.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| 2143870 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 34.6 | 34.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143872 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 61.37 | 61.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 2143876 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.31 | 74.31 |  |  |  |  | $XXX | $XXX | .0000 | XXX |  |  |  |  |  | $XXX | $XXX | -.0135 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2143879 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 44.44 | 44.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  | Eligible | 2.9 |  |
| 2143881 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 46.15 | 46.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2143887 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 54.43 | 54.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143890 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 28.02 | 28.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2143891 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 58.98 | 58.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143893 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 69.99 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2143895 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 28.57 | 28.57 |  |  |  |  | $XXX | $XXX | .0000 | XXX |  |  |  |  |  | $XXX | $XXX | -.1208 | 82.0 | 0.18 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143898 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 45.92 | 45.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2143906 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143907 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 51.39 | 51.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143911 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 58.82 | 58.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143912 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 48.52 | 48.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | Eligible | 2.6 |  |
| 2143914 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2143917 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0000 | XXX |  |  |  |  |  | $XXX | $XXX | -.0129 | 81.0 | 0.19 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143918 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 49.67 | 49.67 |  |  |  |  | $XXX | $XXX | .0000 | XXX |  |  |  |  |  | $XXX | $XXX | -.0330 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143919 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | 1.9712 | XXX |  |  |  |  |  | $XXX | $XXX | 1.9712 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143920 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | -.0064 | XXX |  |  |  |  |  | $XXX | $XXX | -.0064 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143923 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143926 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143927 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.82 | 74.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143928 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143929 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 72.11 | 72.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 2143934 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.0222 | XXX |  |  |  |  |  | $XXX | $XXX | -.0222 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2143938 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 36.19 | 36.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143940 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 32.99 | 32.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2143941 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 37.27 | 37.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2143942 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 62.5 | 62.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2165807 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 2165808 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.5230 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 2165809 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.93 | 89.93 | $XXX | $XXX | -.0481 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0481 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2165810 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | $XXX | $XXX | -.0167 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0167 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2165811 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 81.35 | 81.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2165812 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2165813 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2165814 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 2165815 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2165816 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 2165817 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 89.9 | 89.9 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2165818 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2165819 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.89 | 89.89 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2165820 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2165821 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | $XXX | $XXX | .0035 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0035 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 2165822 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | $XXX | $XXX | .0317 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0317 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 2165823 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2165824 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2165825 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.0 | 89.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2165826 | XXXXX |  | XX/XX/XXXX | $XXXXXX | XXX | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 2143778 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX | 42.85 | 42.85 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |

---

## Exhibit 99.02

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

**Exhibit 99.02 - Schedule 5**

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| **Loan Number** | **Seller Loan ID** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **DSCR Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 2165798 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | 26.68 | 26.97 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165799 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 140 | 2 | 0 | No | 0 | 0 | 0 | 3 | 21.03 | 21.26 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165800 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FHLMC | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 14 | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | 29.91 | 30.46 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165801 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | 40.35 | 40.35 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165802 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FHLMC | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 2 | 2 | No | 1 | 1 | 2 | 3 | 25.97 | 35.03 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165803 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 93 | 2 | 0 | No | 0 | 0 | 0 | 3 | 21.91 | 30.56 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165804 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FHLMC | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | 37.52 | 38.69 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2165805 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | 14.76 | 28.12 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165806 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 2 | 1 | 27.11 | 32.75 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143784 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2143785 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143786 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143787 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143788 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143789 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143790 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 134 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 25.17 | 43.71 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143791 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143792 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143794 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143795 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143798 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143799 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 12.25 | 38.26 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143800 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143802 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143803 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143804 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143807 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143815 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143816 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143818 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143823 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143824 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143827 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143829 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 434 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 7.10 | 12.03 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143837 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143839 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143843 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143844 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143847 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143852 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 7/1 or 7/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143853 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2143855 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143858 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2143862 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  |  | XXX |  |  | Yes | No | 79 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 3.04 | 9.90 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143864 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2143865 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143867 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 7/1 or 7/6 Mos ARM | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143869 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2143870 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143872 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 10.21 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143876 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143879 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143881 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143887 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143890 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2143891 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143893 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2143895 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143898 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143906 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | 22.54 | 42.39 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143907 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143911 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143912 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 5/1 or 5/6 Mos ARM | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX |  |  |  |  | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2143914 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | 25.13 | 38.83 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143917 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143918 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143919 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143920 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143923 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2143926 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143927 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143928 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143929 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143934 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143938 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143940 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143941 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143942 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 0.00 | 0.00 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165807 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FHLMC | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 0 | 0 | 0 | 3 | 35.20 | 43.63 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2165808 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 45 | 2 | 2 | No | 0 | 0 | 0 | 3 | 26.12 | 40.90 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165809 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 25 | 2 | 0 | No | 0 | 0 | 0 | 1 | 20.95 | 43.31 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165810 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 87 | 2 | 2 | No | 0 | 0 | 0 | 1 | 38.51 | 40.52 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165811 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 73 | 2 | 0 | No | 0 | 0 | 0 | 2 | 33.17 | 34.38 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165812 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 84 | 2 | 0 | No | 2 | 2 | 0 | 3 | 13.44 | 25.10 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165813 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 40 | 2 | 2 | No | 2 | 2 | 0 | 3 | 36.48 | 44.80 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165814 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 2 | 2 | 25.59 | 40.78 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165815 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 16 | 1 | 2 | No | 0 | 0 | 0 | 3 | 26.34 | 35.92 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165816 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 137 | 2 | 0 | No | 0 | 0 | 0 | 3 | 41.12 | 41.12 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165817 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 1 | 2 | 18.67 | 33.82 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |
| 2165818 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 104 | 2 | 2 | No | 0 | 0 | 0 | 2 | 23.96 | 25.08 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | Yes |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165819 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 63 | 2 | 2 | No | 1 | 1 | 0 | 2 | 33.71 | 42.09 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165820 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX |  |  | No | No | 0 | Yes | 13 | 2 | 0 | No | 2 | 2 | 2 | 3 | 17.14 | 19.35 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165821 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 64 | 2 | 0 | No | 3 | 3 | 2 | 3 | 17.96 | 40.67 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165822 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | 9.77 | 17.71 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165823 | XXXXX |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 134 | 1 | 1 | No | 0 | 0 | 0 | 2 | 18.85 | 25.09 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165824 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | 19.48 | 20.43 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165825 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | 35.97 | 38.08 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2165826 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 76 | 0 | 2 | No | 2 | 2 | 0 | 3 | 34.65 | 43.25 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |
| 2143778 | XXXXX | XXX |  | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 5/1 ARM IO | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Bank Statement |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | 3.48 | 13.55 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XXX | XXX | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percentage Only | 5.000 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |

---

## Exhibit 99.03

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

**Exhibit 99.03**

![](ex9903001.jpg)

**NARRATIVE**

**EFMT 2026-NQM7**

**By Canopy Financial Technology Partners LLC on June 15, 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

![](ex9903001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Ellington Management Group, LLC (the "Client") or its affiliated company. The Review was conducted from March 2026 to May 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of thirteen (13) loans with an aggregate principal balance of $5,691,299.

**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); Moody's Investor Services, Inc. & DBRS Morningstar

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

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

![](ex9903001.jpg)

**Credit Underwriting**

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

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

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

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● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

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

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

● Borrower(s) employment history ;

● Citizenship and eligibility;

● First time home buyer status ;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

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

● Installment and revolving payment history;

● Mortgage/rental payment history;

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

● Number of tradelines; and

● Representative Credit Score and Methodology.

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

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

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

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

● Borrower identity:

○ Social Security inconsistencies

○ Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

○ Mortgage lender/originator

○ Loan officer

● Occupancy:

○ Borrower address history

○ Subject property ownership history

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

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

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

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

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

**Document Review**

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs
 and CDs with a report outlining any TILA violations, including a re-calculation of disclosed
 finance charge, principal and interest calculations, proper completion of the Projected
 Payments table, total of payments, finance charge, amount financed, recalculation of
 disclosed APR and a review to determine disclosure differences were within the allowed
 tolerances and disclosures were provided within the required timeframes. Testing will
 be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance
 Review Scope ("TRID Grid 4.0");

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

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

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

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

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

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

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

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

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

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**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**QUALIFIED MORTGAGE (QM)** 

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

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

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

**Ability to Repay (ATR)**

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

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

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

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**VALUATION REVIEW**

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

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

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

***Independent third-party values***

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:** 

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

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

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

![](ex9903001.jpg)

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

---

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

---

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

![](ex9903001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grade** | &nbsp;&nbsp;**Valuation Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;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. 84.62% (11 loans) have an overall grade of "A" and 15.38% (2 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 92.31%, (12 loans) of mortgage loans reviewed, and 7.69% (1 loan) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (13 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 92.31%, (12 loans) of mortgage loans reviewed, and 7.69% (1 loan) has a Property/Valuation grade of "B".

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

![](ex9903001.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;11 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;15.38% |
| &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;**13** | &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;12 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.69% |
| &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;**13** | &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;13 | &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;**13** | &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;12 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.69% |
| &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;**13** | &nbsp;&nbsp;**100.00%** |

---

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

![](ex9903001.jpg)

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$5691299.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5691299.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$5691299.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5691299.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;$1670500.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;23.08% | &nbsp;&nbsp;$1135400.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;8 | &nbsp;&nbsp;61.54% | &nbsp;&nbsp;$2885399.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5691299.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$5691299.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5691299.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;7 | &nbsp;&nbsp;53.85% | &nbsp;&nbsp;$4599300.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;6 | &nbsp;&nbsp;46.15% | &nbsp;&nbsp;$1091999.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5691299.00** |

---

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

![](ex9903001.jpg)

**DATA COMPARISON RESULTS**

Of the thirteen (13) mortgage loan files reviewed, three (3) unique loans (23.08% by number) had three (3) tape comparison discrepancies across two (2) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;13 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% |

---

**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 99.03

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

**Exhibit 99.03 - Schedule 1**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 | 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 | 106 | 107 | 108 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** | **Maturity Date** | **Number of Units** |
| 2159593 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 6.125% |  | xxx | Yes | 12.000% | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.578 | 1.57 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 33.06 | xxx | 33.06 | No | 60 | Yes | xxx | xxx | xxx | xxx | 1 |
| 2159594 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.125% |  | xxx | Yes | 12.000% | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.582 | 1.52 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.38 | xxx | 6.38 | No | 80 | N/A | xxx | xxx | xxx | xxx | 3 |
| 2158225 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 5.999% |  | xxx | Yes | 12.000% | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.395 | 1.39 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 36.58 | xxx | 36.58 | No | 40.47 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2159566 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.04% | 49.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 64 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 30.07 | xxx | 30.07 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2159567 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.05% | 49.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified - 2025 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 5.01 | xxx | 10.56 | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2159568 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.80% | 42.80% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025 \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Passport | USA Patriot Act | xxx | xxx | xxx | xxx | xxx | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 11.63 | xxx | 11.63 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2163823 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 18.70% | 18.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 27 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 4.04 | xxx | 4.04 | No | 79.99 | N/A | xxx | xxx | xxx | xxx | 3 |
| 2163824 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.76% | 44.76% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 \|\| Co Borrower | Borrower - 2025, 2026 \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.10 | xxx | 8.1 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2163825 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.08% | 25.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | I-551 Conditional Permanent Resident Card w/ USCIS 1-751 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 55.58 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2166769 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.696 | 1.696 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Yes | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 19.99 | xxx | 19.99 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2163826 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.12% | 42.12% | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | 12 Month Bank Statement | 2 | 2 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 56.06% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - 2026, 2025 \|\| Co Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 230.34 | xxx | 230.34 | No | 48.19 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2166762 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.15 | 1.15 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 156.61 | xxx | 156.61 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 2166772 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.329 | 1.401 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Yes | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 132.81 | xxx | 132.81 | No | 75 | Yes | xxx | xxx | xxx | xxx | 1 |

---

## Exhibit 99.03

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

**Exhibit 99.03 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2159593 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 63.36 | 1.57 | 1.578 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 33.06 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2159594 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Actual In Place Rent | No | 63.22 | 1.52 | 1.582 | xxx | xxx | xxx | 12 | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 6.38 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2158225 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 71.69 | 1.39 | 1.395 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 36.58 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2166769 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 58.97 | 1.696 | 1.696 | xxx | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.0 | 1 | 1 | N/A | 19.99 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2166762 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 86.93 | 1.15 | 1.15 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 156.61 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2166772 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 75.22 | 1.401 | 1.329 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | xxx |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 132.81 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |

---

## Exhibit 99.03

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

**Exhibit 99.03 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 2159593 |  | D A | Closed | XXXX | 2026-03-16 05:37 | 2026-03-20 08:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-1007 provided - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. - Seller-03/19/2026 <br> Open-Missing rent comparable schedule form 1007, Third Party Market Rent Source is Missing in File. Require 1007 Form for Rent Source - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Resolved-1007 provided - Due Diligence Vendor-03/20/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.25 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 2159593 |  | D A | Closed | XXXX | 2026-03-16 05:06 | 2026-03-20 08:38 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. - Seller-03/19/2026 <br> Open-Appraisal is Missing for Subject property located at xxx, Required 1073 Form Subject property is Condominium - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-03/20/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.25 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 2159594 |  | B A | Closed | XXXX | 2026-03-16 05:20 | 2026-03-17 02:37 | Waived | 2 - Non-Material B | Property | Property Issue | Property Condition Rating Does Not Meet Program Requirements | Waived-Lender exception for condition rating below C3 (this property is C4). PER xxx GUIDELINES, NOT ELIGIBLE FOR FINANCING - Due Diligence Vendor-03/16/2026 |  | Waived-Lender exception for condition rating below C3 (this property is C4). PER xxx GUIDELINES, NOT ELIGIBLE FOR FINANCING - Due Diligence Vendor-03/16/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.92 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | DSCR IS 1.52<br> FICO SCORE IS xxx <br> SUBJECT PROPERTY IS LOCATED IN SUBURBAN, OVER 75% BUILT UP AND MARKETING TIME IS UNDER 3 MOS. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 2158225 |  | B A | Closed | XXXX | 2026-03-24 05:32 | 2026-03-24 05:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-BORROWER IS CURRENTLY LIVING RENT-FREE AND DOES NOT HAVE ANY OTHER REO WITH ACCEPTABLE HOUSING HISTORY, WHICH IS INELIGIBLE PER PROGRAM GUIDELINES - Due Diligence Vendor-03/24/2026 |  | Waived-BORROWER IS CURRENTLY LIVING RENT-FREE AND DOES NOT HAVE ANY OTHER REO WITH ACCEPTABLE HOUSING HISTORY, WHICH IS INELIGIBLE PER PROGRAM GUIDELINES - Due Diligence Vendor-03/24/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.47% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | DSCR > 1.25; LTV <50%; RESERVES > 36 MONTHS; FICO SCORE 165+ POINTS ABOVE MINIMUM REQUIRED BY PROGRAM |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 2159566 |  | A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2159567 |  | D A | Closed | XXXX | 2026-04-01 02:02 | 2026-04-03 14:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 10.56 are greater than or equal to Guideline Required Reserves of 9 - Due Diligence Vendor-04/03/2026 <br>Open- - Due Diligence Vendor-04/03/2026 <br>Rescinded-Audited Reserves of 5.55 are less than Guideline Required Reserves of 9 - Due Diligence Vendor-04/01/2026 |  | Resolved-Audited Reserves of 10.56 are greater than or equal to Guideline Required Reserves of 9 - Due Diligence Vendor-04/03/2026 <br>Rescinded-Audited Reserves of 5.55 are less than Guideline Required Reserves of 9 - Due Diligence Vendor-04/01/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 2159567 |  | D A | Closed | XXXX | 2026-04-01 01:30 | 2026-04-03 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. - Seller-04/02/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/03/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 2159567 |  | D A | Closed | XXXX | 2026-03-31 23:12 | 2026-04-03 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. - Seller-04/02/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/03/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 2159568 |  | A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 2163823 |  | D A | Closed | XXXX | 2026-04-20 12:50 | 2026-04-22 13:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA statement provided for both units - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. - Seller-04/21/2026 <br> Open-Missing verification of hoa dues for the following properties: xxx - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. - Seller-04/21/2026<br>| Resolved-HOA statement provided for both units - Due Diligence Vendor-04/22/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.29 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.7% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.99% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2163824 |  | D A C | Closed | XXXX | 2026-04-23 05:50 | 2026-04-29 08:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/29/2026 <br>Ready for Review-Document Uploaded. - Seller-04/28/2026 <br>Counter-The title policy provided does not reflect the title coverage/Loan amount. - Due Diligence Vendor-04/24/2026 <br>Ready for Review-Document Uploaded. - Seller-04/24/2026 <br>Open-Title Document is missing - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. - Seller-04/28/2026 <br>Ready for Review-Document Uploaded. - Seller-04/24/2026<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-04/29/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.32 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.32 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 760 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2163824 |  | D A C | Closed | XXXX | 2026-04-23 11:06 | 2026-04-27 15:40 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*\*Received COC - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. - Seller-04/24/2026 <br> Open-\*\*\*\*\* The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/23/2026 <br> Open- - Due Diligence Vendor-04/23/2026 <br> Open- - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. - Seller-04/24/2026<br>| Resolved-\*\*\*Received COC - Due Diligence Vendor-04/27/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.32 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.32 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 760 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2163825 |  | A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2166769 |  | A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2163826 |  | D A C | Closed | XXXX | 2026-04-23 11:52 | 2026-05-04 17:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-lender provided additional information - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. 2nd to last page. - Seller-05/04/2026 <br> Counter-Provide proof of stated HOA for xxx property not in documents as stated. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Attached proof of HOA for all three properties and updated 1003 showing the HOA updates.<br> xxx does not require Insurance. U/W did not use Insurance in calcs. - Seller-04/30/2026 <br> Counter-received title reports for 3 properties showing tax bills, still missing HOI and HOA information for each property. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. - Seller-04/28/2026 <br> Open-Provide Tax, HOI and or HOA for property Location 1 xxx, Location 2 # xxx, Location 3# xxx - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. 2nd to last page. - Seller-05/04/2026 <br> Ready for Review-Document Uploaded. Attached proof of HOA for all three properties and updated 1003 showing the HOA updates.<br> xxx does not require Insurance. U/W did not use Insurance in calcs. - Seller-04/30/2026 <br> Ready for Review-Document Uploaded. - Seller-04/28/2026 | Resolved-lender provided additional information - Due Diligence Vendor-05/04/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 230.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.19% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 2166762 |  | A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2166772 |  | A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |

---

## Exhibit 99.03

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

**Exhibit 99.03 - Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2159593 |  |  | xxx D A |
| 2159594 |  |  | xxx A B |
| 2158225 |  |  | xxx B A |
| 2159566 |  |  | xxx A |
| 2159567 |  |  | xxx D A |
| 2159568 |  |  | xxx A |
| 2163823 |  |  | xxx D A |
| 2163824 |  |  | xxx D C A |
| 2163825 |  |  | xxx A |
| 2166769 |  |  | xxx A |
| 2163826 |  |  | xxx D C A |
| 2166762 |  |  | xxx A |
| 2166772 |  |  | xxx A |

---

## Exhibit 99.03

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

**Exhibit 99.03 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **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** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2159593 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 2159594 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2158225 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 40.47 | 40.47 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 2159566 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2159567 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 65.0 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 2159568 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 2163823 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 79.99 | 79.99 |  |  |  |  |  |  |  |  | xxx | xxx | .1387 | xxx | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2163824 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2163825 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2166769 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx |
| 2163826 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.19 | 48.19 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 2166762 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxx | xxx | .0833 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2166772 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxx | xxx | .2281 | xxx | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |

---

## Exhibit 99.03

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

**Exhibit 99.03 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 2159593 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 2159594 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 2158225 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 2159566 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2159567 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2159568 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 2163823 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2163824 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 2163825 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 2166769 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 2163826 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 2166762 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 2166772 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.03

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

**Exhibit 99.03 - Schedule 7**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 2159594 |  |  | Prepayment Penalty Total Term | 36 | 0 |
| 2158225 |  |  | Prepayment Penalty Total Term | 36 | 0 |
| 2163823 |  |  | Property Type | Two to Four Unit | Single Family Detached |

---

## Exhibit 99.04

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

**Exhibit 99.04**

![](ex9904001.jpg)

**EXECUTIVE SUMMARY**

**EFMT 2026-NQM7**

**By Clarifii LLC on June 12, 2026**

EFMT 2026-NQM7 Due Diligence Narrative Report – PagE \| 1

![](ex9904001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 18 Loans (the "Loans") originated by a correspondent lender and acquired by Ellington Management Group, LLC (the "Client") for the EFMT 2026-NQM7 transaction. The Loans referenced in this narrative report were reviewed between 11/2025 to 05/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;7 | &nbsp;&nbsp;38.89% | &nbsp;&nbsp;$1663125.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;11 | &nbsp;&nbsp;61.11% | &nbsp;&nbsp;$5817332.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7480457.00** |

---

The Review consisted of a population of 18 Loans, with an aggregate principal balance of $7,480,457.00.

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

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

**LOAN SAMPLING**

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

EFMT 2026-NQM7 Due Diligence Narrative Report – PagE \| 2

![](ex9904001.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;Moody's Investors Service, Inc. | &nbsp;&nbsp;U.S. Residential Mortgage-backed Securitizations, dated as of August 20, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, April 30, 2026 |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |

---

EFMT 2026-NQM7 Due Diligence Narrative Report – PagE \| 3

![](ex9904001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Race - Asian |
| &nbsp;&nbsp;Borrower 1 Race - Asian Indian |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |

---

EFMT 2026-NQM7 Due Diligence Narrative Report – PagE \| 4

![](ex9904001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Calculation |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Verified Doc Type |

---

EFMT 2026-NQM7 Due Diligence Narrative Report – PagE \| 5

![](ex9904001.jpg)

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **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

EFMT 2026-NQM7 Due Diligence Narrative Report – PagE \| 6

![](ex9904001.jpg)

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in Loan file

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

● **Property** **Insurance and Taxes** 

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

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

– 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

EFMT 2026-NQM7 Due Diligence Narrative Report – PagE \| 7

![](ex9904001.jpg)

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

**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).

EFMT 2026-NQM7 Due Diligence Narrative Report – PagE \| 8

![](ex9904001.jpg)

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

● **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

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

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

**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.

EFMT 2026-NQM7 Due Diligence Narrative Report – PagE \| 9

![](ex9904001.jpg)

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

● **State and Local Anti-Predatory Requirements** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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.

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

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

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**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score \*** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &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 |

---

**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. |

---

**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. |

---

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**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

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**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% |
| &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;**18** | &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;16 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;11.11% |
| &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;**18** | &nbsp;&nbsp;**100.00%** |

---

**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;18 | &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;**18** | &nbsp;&nbsp;**100.00%** |

---

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**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;14 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;22.22% |
| &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;**18** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$7480457.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7480457.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;4 | &nbsp;&nbsp;22.22% | &nbsp;&nbsp;$3356375.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;14 | &nbsp;&nbsp;77.78% | &nbsp;&nbsp;$4124082.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7480457.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;9 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$2764957.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;9 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$4715500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7480457.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$7480457.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7480457.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% | &nbsp;&nbsp;$189000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;17 | &nbsp;&nbsp;94.44% | &nbsp;&nbsp;$7291457.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7480457.00** |

---

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**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

EFMT 2026-NQM7 Due Diligence Narrative Report – PagE \| 19

![](ex9904001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian Indian | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;8 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;18 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;3 | &nbsp;&nbsp;8 | &nbsp;&nbsp;62.50% |

---

EFMT 2026-NQM7 Due Diligence Narrative Report – PagE \| 20

![](ex9904001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

EFMT 2026-NQM7 Due Diligence Narrative Report – PagE \| 21

![](ex9904001.jpg)

**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.

EFMT 2026-NQM7 Due Diligence Narrative Report – PagE \| 22

## Exhibit 99.04

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

**Exhibit 99.04 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary 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** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 2123135 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2141291 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 78.99 | 78.99 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161478 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 2161471 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 2144391 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2161476 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 2161475 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2161477 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 57.14 | 57.14 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 2.2 | XXXX |
| XXXX | 2161472 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1.3 | XXXX |
| XXXX | 2161473 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 55.23 | 55.23 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158257 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 79.92 | 79.92 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161474 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1 | XXXX |
| XXXX | 2161434 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161436 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159572 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2162527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  |  |
| XXXX | 2165379 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165378 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.04

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

**Exhibit 99.04 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 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 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 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 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 |
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 2123135 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/29/2025 | 23 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.125% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $1224.00 | $102.00 | $0.00 | $0.00 | $0.00 | $1445.94 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.176 | 1.17 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 649 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | XXXX | 121.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2141291 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/08/2025 | 24 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.875% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $1137.96 | $94.83 | $0.00 | $0.00 | $0.00 | $962.72 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.077 | 2.07 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | XXXX | 104.5 | No | 78.99 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2161478 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/18/2025 | 12.18.2025 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $314.04 | $26.17 | $1524.00 | $127.00 | $0.00 | $2391.86 |  | N/A | XXXX | XX | $127.00 | 04/01/2026 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.982 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 27.1 | XXXX | 27.1 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2161471 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/15/2025 | 12.15.2025 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 12723 | 03/02/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 6.929% |  | 6.750% | 6.750% | XXXX | No |  | XXXX | XXXX | $2618.04 | $218.17 | $0.00 | $0.00 | $0.00 | $6190.36 | $17293.78 | N/A |  |  | $0.00 |  |  | 0.00% | 44.49% | 44.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 87.66% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1 | XXXX | 28.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2144391 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/01/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.375% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $914.04 | $76.17 | $0.00 | $0.00 | $0.00 | $1687.26 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.126 | 1.129 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.9 | XXXX | 25.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2161476 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/24/2026 | 02.24.2026 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $6685.20 | $557.10 | $0.00 | $0.00 | $0.00 | $3673.42 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.871 | 0.87 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.3 | XXXX | 41.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2161475 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/24/2026 | 02.24.2026 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $2909.40 | $242.45 | $20304.00 | $1692.00 | $0.00 | $7814.94 |  | Yes | XXXX | XX | $1692.00 | 04/01/2026 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.768 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18.7 | XXXX | 18.7 | No | 70 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2161477 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/24/2026 | 02.24.2026 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $4905.00 | $408.75 | $0.00 | $0.00 | $0.00 | $2070.31 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.845 | 0.845 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 90.7 | No | 57.14 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2161472 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/24/2026 | 02.24.2026 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 26183.64 | 03/02/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 7.639% |  | 7.375% | 7.375% | XXXX | No |  | XXXX | XXXX | $8540.76 | $711.73 | $4176.00 | $348.00 | $0.00 | $10184.46 | $22626.54 | N/A | XXXX | XX | $348.00 | 06/01/2026 | Monthly | 0.00% | 49.97% | 49.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.1 | XXXX | 6.1 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2161473 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/24/2026 | 02.24.2026 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $3757.08 | $313.09 | $0.00 | $0.00 | $0.00 | $4570.62 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.381 | 1.38 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 31 | No | 55.23 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2158257 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/01/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.500% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $720.84 | $60.07 | $2364.00 | $197.00 | $0.00 | $1098.98 |  | Yes | XXXX | XX | $197.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Standard Driver's License - Not for federal use |  | XX | XXXX | XXXX |  |  | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 55.4 | XXXX | 55.4 | No | 79.92 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 2161474 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/24/2026 | 02.24.2026 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $1328.04 | $110.67 | $1248.00 | $104.00 | $0.00 | $3135.46 |  | N/A | XXXX | XX | $104.00 | 01/01/2027 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.797 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.9 | XXXX | 9.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2161434 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2026 | 04.01.2026 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 12077.63 | 03/16/2026 | 6.120% | Manual Underwriting | Manual Underwriting | No | 7.876% |  | 7.625% | 7.625% | XXXX | No |  | XXXX | XXXX | $5034.96 | $419.58 | $0.00 | $0.00 | $0.00 | $6316.46 | $22044.54 | N/A |  |  | $0.00 |  |  | 0.00% | 34.34% | 34.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.2 | XXXX | 7.2 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2161436 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/06/2026 | 04.06.2026 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 18145 | 04/13/2026 | 6.370% | Manual Underwriting | Manual Underwriting | No | 8.311% |  | 7.990% | 7.990% | XXXX | No |  | XXXX | XXXX | $2604.24 | $217.02 | $0.00 | $0.00 | $0.00 | $6682.44 | $23373.45 | N/A |  |  | $0.00 |  |  | 0.00% | 24.34% | 24.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11 | XXXX | 11 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2159572 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/01/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.125% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1610.64 | $134.22 | $0.00 | $0.00 | $0.00 | $1645.74 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.154 | 1.124 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 33.5 | XXXX | 33.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2162527 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/01/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.875% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $2276.40 | $189.70 | $0.00 | $0.00 | $0.00 | $1954.24 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.075 | 1.074 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 570.3 | XXXX | 570.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2165379 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/01/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.875% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $981.96 | $81.83 | $0.00 | $0.00 | $0.00 | $2593.57 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.06 | 1.06 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | XXXX | 42.5 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2165378 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/01/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.625% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $1191.96 | $99.33 | $0.00 | $0.00 | $0.00 | $2137.04 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.053 | 1.052 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 38.3 | XXXX | 38.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.04

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

**Exhibit 99.04 - Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 2123135 | XXXX | XXXX C A |
| XXXX | 2141291 | XXXX | XXXX C A B |
| XXXX | 2161478 | XXXX | XXXX A |
| XXXX | 2161471 | XXXX | XXXX C B A |
| XXXX | 2144391 | XXXX | XXXX D A B |
| XXXX | 2161476 | XXXX | XXXX C A |
| XXXX | 2161475 | XXXX | XXXX C A |
| XXXX | 2161477 | XXXX | XXXX A |
| XXXX | 2161472 | XXXX | XXXX D C A B |
| XXXX | 2161473 | XXXX | XXXX A |
| XXXX | 2158257 | XXXX | XXXX A |
| XXXX | 2161474 | XXXX | XXXX A |
| XXXX | 2161434 | XXXX | XXXX D C A B |
| XXXX | 2161436 | XXXX | XXXX D C A B |
| XXXX | 2159572 | XXXX | XXXX A |
| XXXX | 2162527 | XXXX | XXXX A |
| XXXX | 2165379 | XXXX | XXXX C A |
| XXXX | 2165378 | XXXX | XXXX A |

---

## Exhibit 99.04

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

**Exhibit 99.04 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 2123135 | XXXX C A | Closed | XXXX | 2025-12-03 16:47 | 2025-12-08 11:42 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Delayed financing guides met per reviewer. - Due Diligence Vendor-12/08/2025 <br> Open-Subject closed on XXXX less than 6 months, Delayed - Provide Delayed Financing Documentation<br> • The original purchase transaction is documented by a settlement statement, which confirms<br> that no mortgage financing was used to obtain the subject property.<br> • The sources of funds for the purchase transaction are documented as the borrowers' own<br> funds - Due Diligence Vendor-12/03/2025 |  | Resolved-Delayed financing guides met per reviewer. - Due Diligence Vendor-12/08/2025<br>| On time mortgage history exceeds guideline requirement - <br>Months Reserves exceed minimum required - 3 months required subject 121 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6474152 |
| XXXX | 2141291 | XXXX C B A | Closed | XXXX | 2026-01-28 15:32 | 2026-02-10 14:28 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Documentation to support 100% owner. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. XXXX provided, XXXX is the sole member. Please clear finding. - Seller-02/10/2026 <br> Open-Property Title Issue The XXXX on title is XXXX. No documentation for this XXXX to confirm the borrowers ownership of the subject at the time of the loan closing. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. SOS for XXXX provided, XXXX is the sole member. Please clear finding. - Seller-02/10/2026 | Resolved-Received Documentation to support 100% owner. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 791. Required is 720 Borrower has 791<br>Months Reserves exceed minimum required - Guidelines require 3 months reserves. Borrower has 104.54 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7338382 |
| XXXX | 2141291 | XXXX C B A | Closed | XXXX | 2026-01-28 16:05 | 2026-02-10 14:25 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received SOS confirming the formation date is XXXX - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. The company was registered with the SOS on XXXX, please clear finding. - Seller-02/06/2026 <br> Counter-Received Operating Agreement for XXXX signed and dated XXXX after Note date XXXX. Formation of company is after Note date and not eligible vesting. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Executed XXXX documentation provided. Please clear finding. - Seller-02/03/2026 <br> Open-The Business Entity Formation Document is incomplete The subject loan is layered vesting. One of the owning XXXX's XXXX operating agreement documents are not signed. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. The company was registered with the SOS on XXXX, please clear finding. - Seller-02/06/2026 <br> Ready for Review-Document Uploaded. Executed XXXX documentation provided. Please clear finding. - Seller-02/03/2026 | Resolved-Received SOS confirming the formation date is XXXX - Due Diligence Vendor-02/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 791. Required is 720 Borrower has 791<br>Months Reserves exceed minimum required - Guidelines require 3 months reserves. Borrower has 104.54 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7338979 |
| XXXX | 2141291 | XXXX C B A | Closed | XXXX | 2026-01-28 15:49 | 2026-02-04 16:54 | Waived | 2 - Non-Material C B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Originator provided a waiver for remaining equity <$40,000, applied to non material finding with comp factors - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. Credit exception was granted for the minimum equity not being met. Please clear finding. - Seller-02/02/2026 <br>Open-Remaining equity is less than $40,000 which does not meet guideline requirement. The remaining equity is less than 40,000. No exception was identified in the file. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Credit exception was granted for the minimum equity not being met. Please clear finding. - Seller-02/02/2026<br>| Waived-Originator provided a waiver for remaining equity <$40,000, applied to non material finding with comp factors - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 791. Required is 720 Borrower has 791<br>Months Reserves exceed minimum required - Guidelines require 3 months reserves. Borrower has 104.54 months of reserves. | FICO: 791<br> Residence: 6 years at current residence. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7338707 |
| XXXX | 2161478 | XXXX A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 2161471 | XXXX C B A | Closed | XXXX | 2026-03-16 11:41 | 2026-03-23 13:53 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Resolved-Received credit inquiry LOE. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.49 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8129190 |
| XXXX | 2161471 | XXXX C B A | Closed | XXXX | 2026-03-13 13:20 | 2026-03-14 17:26 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings - Due Diligence Vendor-03/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.49 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 8101170 |
| XXXX | 2144391 | XXXX D B A | Closed | XXXX | 2026-03-17 15:39 | 2026-03-19 14:54 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Rent Loss Coverage is Sufficient, or Not Applicable. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. proof from agent it is loss of rents coverage - Seller-03/19/2026 <br>Ready for Review-Document Uploaded. stip not valid - loss of rents on policy shows 25,700 / PITIA = 15 months - has more than 6 months rent loss coverage meeting GL requirements - Seller-03/18/2026 <br>Open-Rent Loss Coverage is Insufficient or Missing. Guidelines require 6 months of rent loss coverage, additional findings may apply. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. proof from agent it is loss of rents coverage - Seller-03/19/2026 <br> Ready for Review-Document Uploaded. stip not valid - loss of rents on policy shows 25,700 / PITIA = 15 months - has more than 6 months rent loss coverage meeting GL requirements - Seller-03/18/2026 | Resolved-Rent Loss Coverage is Sufficient, or Not Applicable. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 761<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.126 Required is 0.75 Borrower has 1.126 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8162508 |
| XXXX | 2144391 | XXXX D B A | Closed | XXXX | 2026-03-17 15:55 | 2026-03-19 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. fraud and responses are in file - split out and provided again - Seller-03/18/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. fraud and responses are in file - split out and provided again - Seller-03/18/2026<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 761<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.126 Required is 0.75 Borrower has 1.126 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8163038 |
| XXXX | 2144391 | XXXX D B A | Closed | XXXX | 2026-03-17 16:28 | 2026-03-18 11:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted for 5% LTV above maximum. Non-material waiver applied with comp factors. - Due Diligence Vendor-03/18/2026 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Exception granted to use 80% LTV. - Due Diligence Vendor-03/17/2026 |  | Waived-Originator exception granted for 5% LTV above maximum. Non-material waiver applied with comp factors. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 761<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.126 Required is 0.75 Borrower has 1.126 | borrower has 12 mo reserves with cash back and has additional 6 mo reserves of own funds documented<br> appraised value came in at XXXX - stable market conditions - looking to maximize funds back for project that she is looking to start on next property. borrower has excellent repayment history - no lates or derog history - owns primary - experienced investor - owns subject and another investment property. would need to know pricing for granted exception | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 8164138 |
| XXXX | 2161476 | XXXX C A | Closed | XXXX | 2026-04-10 15:16 | 2026-04-14 15:59 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-04/14/2026 <br>Ready for Review-Document Uploaded. - Seller-04/13/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal description is missing. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-04/14/2026<br>| Months Reserves exceed minimum required - 41 months reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - <br> Required is 700 Borrower has 790 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8602777 |
| XXXX | 2161475 | XXXX C A | Closed | XXXX | 2026-04-03 12:01 | 2026-04-22 15:43 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received confirmation from condo property management all units are owner occupied or second homes. - Due Diligence Vendor-04/22/2026 <br>Ready for Review-Document Uploaded. - Seller-04/21/2026 <br>Counter-Received email from XXXX. Form completed by XXXX that indicated 289 units are owned by investors. Need confirmation from Individual that completed form to confirm. - Due Diligence Vendor-04/17/2026 <br>Ready for Review-Document Uploaded. - Seller-04/15/2026 <br>Open-Investor concentration is Max of 60% and this project is 68%. Also, must have a minimum owner occupied of 40% and we only have 32%. Please provide exception. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. - Seller-04/21/2026 <br>Ready for Review-Document Uploaded. - Seller-04/15/2026<br>| Resolved-Received confirmation from condo property management all units are owner occupied or second homes. - Due Diligence Vendor-04/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8477176 |
| XXXX | 2161477 | XXXX A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2161472 | XXXX D B A C | Closed | XXXX | 2026-04-09 10:00 | 2026-04-28 17:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved- Per the loan matrix, a 10% expense factor is allowed when utilizing business bank statements. - Due Diligence Vendor-04/28/2026 <br>Counter-Received rebuttal to consider expense letter. Business bank statement worksheet calculated income with 10% expense factor. Finding remains. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. - Seller-04/13/2026 <br>Open-Borrower 1 YTD Profit & Loss Missing When an expense factor less than 50% is used, a CPA/EA/Tax Attorney / PTIN prepared P&L statement, for same period as bank statements, with gross receipts within 20% of the bank statement qualifying income, is required. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026<br>| Resolved- Per the loan matrix, a 10% expense factor is allowed when utilizing business bank statements. - Due Diligence Vendor-04/28/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $22,626.54 residual income, $2500 required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8574068 |
| XXXX | 2161472 | XXXX D B A C | Closed | XXXX | 2026-04-06 16:22 | 2026-04-13 10:54 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received CD XXXX and COC. Finding Resolved. - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. - Seller-04/10/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($349.80) does not exceed or equal the comparable sum of specific and non-specific lender credits ($30,019.20). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $30,019.20 to $349.80 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $29,669.40, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. - Seller-04/10/2026<br>| Resolved-Received CD XXXX and COC. Finding Resolved. - Due Diligence Vendor-04/13/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $22,626.54 residual income, $2500 required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8510035 |
| XXXX | 2161472 | XXXX D B A C | Closed | XXXX | 2026-04-06 16:22 | 2026-04-13 10:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received CD 04/02/2026 and COC. Finding Resolved. - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. - Seller-04/10/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,643.64.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $3,643.64 (Points - Loan Discount 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 $3.293.84 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Years; Expiration Date: XXXX. Final CD XXXX has a Lender Credit of $349.80, which is not enough to cure - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. - Seller-04/10/2026<br>| Resolved-Received CD XXXX and COC. Finding Resolved. - Due Diligence Vendor-04/13/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $22,626.54 residual income, $2500 required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8510036 |
| XXXX | 2161472 | XXXX D B A C | Closed | XXXX | 2026-04-06 15:40 | 2026-04-06 15:40 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/06/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/06/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $22,626.54 residual income, $2500 required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8509259 |
| XXXX | 2161473 | XXXX A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2158257 | XXXX A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 2161474 | XXXX A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 2161434 | XXXX D B A C | Closed | XXXX | 2026-04-22 18:51 | 2026-04-28 11:48 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received other REO docs. ATR/QM status updated - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/27/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing verification for full PITIA for current primary residence. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/27/2026<br>| Resolved-Received other REO docs. ATR/QM status updated - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.34<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8829940 |
| XXXX | 2161434 | XXXX D B A C | Closed | XXXX | 2026-04-22 13:49 | 2026-04-28 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Verification of REO - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/27/2026 <br>Open-Missing statement verifying escrowed or verification taxes and insurance REO property. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/27/2026<br>| Resolved-Received Verification of REO - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.34<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8822739 |
| XXXX | 2161434 | XXXX D B A C | Closed | XXXX | 2026-04-21 11:17 | 2026-04-23 09:39 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/21/2026 <br>Waived-Waive to non-material, loan has full appraisal and escrows. - Due Diligence Vendor-04/22/2026 |  | Waived-Waive to non-material, loan has full appraisal and escrows. - Due Diligence Vendor-04/22/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.34<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8796494 |
| XXXX | 2161434 | XXXX D B A C | Closed | XXXX | 2026-04-21 10:30 | 2026-04-21 10:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-04/21/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-04/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.34<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8795352 |
| XXXX | 2161436 | XXXX D B A C | Closed | XXXX | 2026-04-21 23:12 | 2026-06-01 09:56 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waive to non-material, loan has full appraisal and escrows. - Due Diligence Vendor-04/23/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-04/22/2026 |  | Waived-Waive to non-material, loan has full appraisal and escrows. - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.34<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 719 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8808296 |
| XXXX | 2161436 | XXXX D B A C | Closed | XXXX | 2026-04-23 12:18 | 2026-04-27 14:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received I751 extension granted an additional 48 months from XXXX - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. PRC Extension attached - Seller-04/24/2026 <br> Ready for Review-Hello, the card expires XXXX so is still valid. We are non QM and our guidelines do not have the same requirements as FNMA - Seller-04/24/2026 <br> Counter-Front and back of the Permanent Resident Alien card, however it expires XXXX. FNMA requires the I-757 if the expiration is within 90 days. Please provide the I-757 - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. - Seller-04/23/2026 <br> Open-Borrower Citizenship Documentation Is Missing Missing a copy of the back of the borrower's Permanent Resident card - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. PRC Extension attached - Seller-04/24/2026 <br> Ready for Review-Hello, the card expires XXXX so is still valid. We are non QM and our guidelines do not have the same requirements as XXXX - Seller-04/24/2026 <br> Ready for Review-Document Uploaded. - Seller-04/23/2026 | Resolved-Received I751 extension granted an additional 48 months from XXXX - Due Diligence Vendor-04/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.34<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 719 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8844541 |
| XXXX | 2161436 | XXXX D B A C | Closed | XXXX | 2026-04-21 20:57 | 2026-04-21 20:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material finding<br> - Due Diligence Vendor-04/22/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material finding<br> - Due Diligence Vendor-04/22/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.34<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 719 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8807623 |
| XXXX | 2159572 | XXXX A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 2162527 | XXXX A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 2165379 | XXXX C A | Closed | XXXX | 2026-05-14 08:31 | 2026-05-15 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received completed ACH. - Due Diligence Vendor-05/15/2026 <br>Ready for Review-Document Uploaded. - Seller-05/14/2026 <br>Open-Required ACH form is missing from the file. ACH is required on all files-ACH in file is not completed - Due Diligence Vendor-05/14/2026 | Ready for Review-Document Uploaded. - Seller-05/14/2026<br>| Resolved-Received completed ACH. - Due Diligence Vendor-05/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 722<br>DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.06 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9196794 |
| XXXX | 2165379 | XXXX C A | Closed | XXXX | 2026-05-14 08:16 | 2026-05-15 11:14 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received property detail report, primary is free and clear. - Due Diligence Vendor-05/15/2026 <br>Ready for Review-Document Uploaded. Property is owned free and clear - Seller-05/14/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOM for borrower primary residence - Due Diligence Vendor-05/14/2026 | Ready for Review-Document Uploaded. Property is owned free and clear - Seller-05/14/2026<br>| Resolved-Received property detail report, primary is free and clear. - Due Diligence Vendor-05/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 722<br>DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.06 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9196592 |
| XXXX | 2165378 | XXXX A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |

---

## Exhibit 99.04

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

**Exhibit 99.04 - Schedule 5**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 2123135 | XXXX | XXXX | Qualifying Amortization Term | notePage | 0 | 480 | Per Note |
| XXXX | 2141291 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD/Settlement Statement |
| XXXX | 2161471 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 3.33 | 40 | Per 1003 |
| XXXX | 2161471 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per credit report |
| XXXX | 2161476 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1003/1008. |
| XXXX | 2161476 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 1.67 | 20 | Per 1003. |
| XXXX | 2161476 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 4 | 1 | Per 1003. |
| XXXX | 2161475 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 11 | 1 | per mortgage statements |
| XXXX | 2161472 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 0.17 | 2 | Per Final 1003 |
| XXXX | 2161473 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008 |
| XXXX | 2158257 | XXXX | XXXX | Maturity Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 2161436 | XXXX | XXXX | Borrower 1 FTHB | the1003Page | true | N | Per Final 1003 |
| XXXX | 2161436 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | True data reflect appraised value. Tape reflects sales price |
| XXXX | 2161436 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 719 | 715 | 719 mid score |
| XXXX | 2165379 | XXXX | XXXX | Interest Rate | notePage | 6.875 | 0.0688 | Per note |
| XXXX | 2165378 | XXXX | XXXX | Interest Rate | notePage | 7.625 | 0.0762 | Per note |
| XXXX | 2165378 | XXXX | XXXX | Maturity Date | notePage | XXXX | XXXX | per note |

---

## Exhibit 99.04

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

**Exhibit 99.04 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| XXXX | 2123135 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1700 | 1575 | Appraisal - 1007 |  | N/A |  |  | 1700 | Actual In Place Rent | No | 85.06 | 1.17 | 1.176 | 1445.94 | 1700 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 1700 |  |  |  |  |  |  |  | No | 0.3 | 1 | 1 | N/A | 121.3 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| XXXX | 2141291 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1025 |  | N/A |  |  | 2000 | Appraisal - 1025 | No | 48.14 | 2.07 | 2.077 | 962.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | 20000 | 2000 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 104.54 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  | Yes | 3 | Full Recourse | XXXX | Tenant |
| XXXX | 2161478 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2350 | Appraisal - 1007 |  | N/A |  |  | 2350 | Appraisal - 1007 | No | 101.78 |  | 0.982 | 2391.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2350 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27.09 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Vacant |
| XXXX | 2144391 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1920 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 88.8 | 1.129 | 1.126 | 1687.26 | 1920 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 1900 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 25.46 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2161476 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1007 |  | N/A |  |  | 3200 | Appraisal - 1007 | No | 114.79 | 0.87 | 0.871 | 3673.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 41.52 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2161475 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6000 | Appraisal - 1007 |  | N/A |  |  | 6000 | Appraisal - 1007 | No | 130.25 |  | 0.768 | 7814.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.71 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2161477 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1750 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1750 | Actual In Place Rent | No | 118.3 | 0.845 | 0.845 | 2070.31 | 1750 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1750 |  |  |  |  |  |  |  | No | 3.8 | 1 | 1 | N/A | 90.73 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| XXXX | 2161473 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6310 | 7100 | Appraisal - 1025 |  | N/A |  |  | 6310 | Actual In Place Rent | No | 72.43 | 1.38 | 1.381 | 4570.62 | 2750 | XXXX | 12 | 2095 | XXXX | 12 | 1465 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 6310 |  |  |  |  |  |  |  | No | 9 | 1 | 1 | N/A | 30.99 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2158257 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1100 | Appraisal - 1007 |  | N/A |  |  | 1100 | Appraisal - 1007 | No | 99.91 | 1 | 1.001 | 1098.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 55.42 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Owner |
| XXXX | 2161474 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 125.42 |  | 0.797 | 3135.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.93 | Yes | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | Full Recourse | XXXX | Vacant |
| XXXX | 2159572 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1950 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 86.62 | 1.124 | 1.154 | 1645.74 | 1950 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 1900 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 33.5 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| XXXX | 2162527 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 93.06 | 1.074 | 1.075 | 1954.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 2100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 570.32 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| XXXX | 2165379 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2750 | Appraisal - 1007 |  | N/A |  |  | 2750 | Appraisal - 1007 | No | 94.31 | 1.06 | 1.06 | 2593.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2750 |  |  |  |  |  |  |  | No | 5.8 | 1 | 1 | N/A | 42.51 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Tenant |
| XXXX | 2165378 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2250 | Appraisal - 1007 |  | N/A |  |  | 2250 | Appraisal - 1007 | No | 94.98 | 1.052 | 1.053 | 2137.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 2250 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 38.29 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |

---

## Exhibit 99.04

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

**Exhibit 99.04 - Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 2123135 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2141291 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2161478 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2161471 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12723 | 6.929 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17293.78 | Yes | Employed |  | No |  | No |  |
| XXXX | 2144391 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2161476 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2161475 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2161477 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2161472 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 26183.64 | 7.639 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22626.54 | Yes | Employed |  | No |  | No |  |
| XXXX | 2161473 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2158257 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2161474 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2161434 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 12077.63 | 7.876 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22044.54 | N/A | Employed |  | No |  | No |  |
| XXXX | 2161436 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 18145 | 8.311 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23373.45 | N/A | Employed |  | No |  | No |  |
| XXXX | 2159572 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2162527 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2165379 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 2165378 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.05

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

**Exhibit 99.05**

**Executive Summary**

EFMT 2026-NQM7

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Ellington Management Group, LLC. The Review was conducted from March 2026 to April 2026 on mortgage loans originated from March 2026 to April 2026.

The Review consisted of 100% of the population of 10 loans with an original aggregate loan balance of $4,763,400.00.

**Scope of Review**

**Credit Review**

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

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is complete, signed, dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions have been satisfied prior
 to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of debt-to-income ratio ("DTI") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of debt service coverage ratio ("DSCR") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation
 of payment shock calculations if applicable

![](ex9905001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR
 Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 of hazard coverage and verification that sufficient coverage was in place on subject
 and all premiums were included in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage
 insurance certificate was in file, if applicable, and coverage was sufficient, and premium
 was included in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 of rental income and/or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Red flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. "Doing
 business as" or "also known as" names investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements in conformance with applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
 (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 returns and profit and loss statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 statements or other alternate income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/continuing
 employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Lease
 agreements and market rents, if applicable

![](ex9905001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 money deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in housing payment and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 disclosure or Settlement Statements

![](ex9905001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 and prior to October 1, 2022 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z of the Truth in Lending Act, as amended. For covered loan transactions for which creditors receive an application on or after March 1, 2021, but prior to October 1, 2022, creditors had the option of complying with either (1) the original, DTI-based General QM loan definition or (2) the revised, price-based General QM loan definition. Effective October 1, 2022, loans with application dates on or after such date must comply with only the revised, price-based General QM Final Rule, as well as the ATR rule. For these Loans, MaxDiligence will (a) confirm that the creditor provided a QM designation and (b) review the Loan for the eight (8) underwriting factors set forth Section 12(E)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence
 reviewed each mortgage loan to determine each mortgage loan's status under the
 QM and ATR rule requirements and assign a QM and ATR designation as determined by MaxDiligence.
 MaxDiligence will note as a material exception if its QM and ATR designations do not
 confirm to the originator's original QM and ATR designations. Additionally, MaxDiligence
 will note if an originator's mortgage loan designation was not provided. MaxDiligence
 shall use the following designations:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. MaxDiligence
 utilizes the following QM designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) QM
 Safe-Harbor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) QM
 Rebuttal Presumption (including Higher-priced loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Temporary
 QM (for all applications prior to June 30, 2021)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Non-QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. MaxDiligence
 utilizes the following ATR designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) ATR
 Compliant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) ATR
 Fail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) ATR
 Exempt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In
 order to determine the QM designation, as applicable, MaxDiligence will review each Loan
 for the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Use
 of any risky mortgage loan features and terms (e.g. an interest only feature or negative
 amortization);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Do
 the "points and fees" exceed the applicable QM threshold;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Was
 monthly payment calculated appropriately;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Did
 the creditor considered and verify income or assets at or before consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Did
 the creditor appropriately considered debt obligations, alimony and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. For
 mortgage loan applications prior to October 1, 2022, if the DTI ratio exceeded 43% (calculated
 in accordance with Appendix Q to Regulation Z).

![](ex9905001.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;vii. For
 mortgage loan applications on and after October 1, 2022, for which the annual percentage
 rate does not exceed the average prime offer rate for a comparable transaction as of
 the date the interest rate is set by the amounts specified based on loan amount (adjusted
 annually on January 1 by the annual percentage change in the Consumer Price Index for
 All Urban Consumers (CPI-U) that was reported on the preceding June 1) and the lien position
 of the proposed credit:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) For
 a first-lien covered transaction with a loan amount greater than or equal to $110,260
 (indexed for inflation), 2.25 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) For
 a first-lien covered transaction with a loan amount greater than or equal to $66,156
 (indexed for inflation) but less than $110,260 (indexed for inflation), 3.5 or more percentage
 points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) For
 a first-lien covered transaction with a loan amount less than $66,156 (indexed for inflation),
 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) For
 a first-lien covered transaction secured by a manufactured home with a loan amount less
 than $110,260 (indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) For
 a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156
 (indexed for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) For
 a subordinate-lien covered transaction with a loan amount less than $66,156 (indexed
 for inflation), 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Upon
 completion of Section 12(B) above, if a Loan is determined to be a QM loan, MaxDiligence
 will determine if the Loan is a Higher-Priced Mortgage Loan ("HPML") as defined
 by 12 CFR 1026.35:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the Loan is HPML, then the Loan shall be designated as QM Rebuttal Presumption (Higher
 Priced);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the Loan is not an HPML, then the Loan shall be designated as QM Safe Harbor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Upon
 completion of Section 12(B) above, for each Loan that is designated as Non-QM, MaxDiligence
 then will determine whether the mortgage loan complies with the ATR rule, in accordance
 with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. MaxDiligence
 will evaluate the Loan for ATR compliance based on the following eight factors and will
 verify such information using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets: Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan. Review Loan documentation for required
 level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment:
 Review file documentation for required level of employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans: Ensure that all concurrent Loans were included in the DTI calculation, to properly
 assess the ability to repay.

![](ex9905001.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;v. Mortgage-Related
 Obligations: Validate that the subject Loan's monthly payment calculation includes
 principle, interest, taxes, and insurance, as well as other costs related to the property
 such as homeowners' association fees, private mortgage insurance, ground rental
 fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations: Validate monthly recurring non-mortgage-related liabilities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate DTI or "residual income," based upon all mortgage
 and non-mortgage obligations, calculated as a ratio of gross monthly income, based on
 documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History: Review credit report for credit history and required credit depth, including
 any / all inquiries, and determine a representative credit score from the credit report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Upon
 completion of Section 12(E) above, MaxDiligence will assign an ATR designation.

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence'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. MaxDiligence's
 review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan application; Any revisions, if made known to MaxDiligence, to the original report
 are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

![](ex9905001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file but notes a variance
 above 10% or an inconclusive value, MaxDiligence recommended a BPO or field review be
 ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, MaxDiligence's review will (a) reviewed
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirmed the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verified that comparable properties used
 are similar in size, style, and location to the subject, and (d) checked for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of MaxDiligence's review included (i) verifying that the address matched
 the mortgage note, ((ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that there are
 no negative external factors; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, MaxDiligence will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, MaxDiligence
 created an exception, and work with the client on the next steps which may include ordering
 of additional valuation products such as collateral desktop reviews, broker's price
 opinions, and full appraisals, if needed. If the property valuation products included
 in MaxDiligence's review result in a variance of more than 10% then the client
 was notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence
 confirmed to the extent possible, that the appraiser and the appraisal made by such appraiser
 both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence will
 review the appraisal for conformity to industry standards, including ensuring the appraisal
 was complete, that the comparable properties and adjustments were reasonable and that
 pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, MaxDiligence 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.

![](ex9905001.jpg)

**Compliance Review**

"Compliance Review" means that MaxDiligence reviewed each Loan to determine, as applicable and subject to the limitations below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements, each as amended. A Compliance Review shall not apply to business purpose loans.

The below Compliance Review is applicable to Loans with an application date on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). With regard to TRID testing, MaxDiligence implemented the TRID scope of review as detailed in (i) Section III -Regulatory Compliance of the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. On an ongoing basis, MaxDiligence reviews updated interpretations of TRID through informal guidance provided by the Consumer Financial Protection Bureau ("CFPB"), such CFPB guidance may cause changes in the review scope and severity of TRID related exceptions, including applicable cures. While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed
 the initial LE and confirmed (i) the correct form was used; (ii) all sections of the
 Initial LE are completed; and (iii) the initial LE accurately reflects the information
 provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a revised LE, confirmed (i) that there is a "valid reason" for the
 revised LE; and (ii) that the revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determined
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirmed
 initial LE was delivered within three (3) business days from the application date, and
 at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirmed
 revised LE was delivered within three (3) business days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) business days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirmed
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

![](ex9905001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed
 the CD and confirmed (i) the correct form was used; (ii) all sections of the CD are completed;
 and (iii) the CD accurately reflected the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirmed (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirmed
 initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) business days prior to the consummation
 date. With respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than sixty (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 sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) business days rescission period; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compared the fees disclosed in the final binding LE to those in the final
 CD, and confirmed that final CD fees are within the permitted tolerances. Confirmed the
 total of payments are considered accurate as defined by Regulation Z. Confirmed finance
 charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Reviewed the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and (iii) with respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than sixty (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 sixty (60) days after consummation.

![](ex9905001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirmed
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business
 days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Reviewed
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Reviewed
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determined
 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.

![](ex9905001.jpg)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determined
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verified
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirmed
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirmed
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirmed
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirmed
 the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirmed
 that the CHARM booklet was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirmed
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirmed
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) business
 days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirmed
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirmed
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirmed
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirmed
 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.

![](ex9905001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>.
 MaxDiligence did not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

![](ex9905001.jpg)

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100.00% of the loans received a grade "B" or higher with 70% of the pool receiving an overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;70.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;30.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.0%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;70.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;30.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.0%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.0%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.0%** |

---

![](ex9905001.jpg)

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Deed of Trust Signature does not match Note | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo - HOA Dues | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Corporation/LLC: Operating Agreement Doc is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***13*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Field Review Supports Value within 10% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;7 |
|  |  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***10*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Final Signature Date is in the future | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test (50001251) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;***Total Compliance (A) Exceptions*** | &nbsp;&nbsp;***11*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

![](ex9905001.jpg)

Of the 10 mortgage loans reviewed, 10 unique mortgage loan (by loan count) had a total of 17 different tape discrepancies across the data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;5 | &nbsp;&nbsp;10 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;10 | &nbsp;&nbsp;30.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;20.00% |

---

**Event Grade Definitions**

---

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

---

---

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

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![](ex9905001.jpg)

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

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![](ex9905001.jpg)

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| | |
|:---|:---|
| &nbsp;&nbsp;**Property Event Grades** | &nbsp;&nbsp;**Property Event Grades** |
| &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 99.05

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

**Exhibit 99.05 - Schedule 1**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 2151912 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | xx/xx/xxxx | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. guideline max is 70%, need exception or loan is ineligible for this program <br>|  | Document Uploaded. - 04/02/2026<br>| Exception approval provided. Condition waived. - 04/06/2026<br>| 12+ months reserves<br> Housing history 0 X 30 for 12+ months | 2026-04-06 13:43 | Waived | 3 | 2 | 3 | 2 |
| 2151912 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | xx/xx/xxxx | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. guideline max is 70%, need exception or loan is ineligible for this program <br>|  | Document Uploaded. - 04/02/2026<br>| Exception approval provided. Condition waived. - 04/06/2026<br>| 12+ months reserves<br> Housing history 0 X 30 for 12+ months | 2026-04-06 13:43 | Waived | 3 | 2 | 3 | 2 |
| 2151912 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | xx/xx/xxxx | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. guideline max is 70%, need exception or loan is ineligible for this program <br>|  | Document Uploaded. - 04/02/2026<br>| Exception approval provided. Condition waived. - 04/06/2026<br>| 12+ months reserves<br> Housing history 0 X 30 for 12+ months | 2026-04-06 13:45 | Waived | 3 | 2 | 3 | 2 |
| 2151912 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2026-03-31 16:57 | Cleared | 1 | 1 | 3 | 2 |
| 2151912 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2026-03-31 16:57 | Cleared | 1 | 1 | 3 | 2 |
| 2144727 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | xx/xx/xxxx | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. Missing end date on policy. <br>|  | Document Uploaded. please see attached - 03/27/2026<br>| Hazard insurance provided. Condition resolved. - 03/27/2026<br>|  | 2026-03-27 19:51 | Resolved | 3 | 1 | 4 | 1 |
| 2144727 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-03-26 19:26 | Cleared | 1 | 1 | 4 | 1 |
| 2144727 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | xx/xx/xxxx | Property | Appraisal is Missing | The file is missing the appraisal. <br>|  | Document Uploaded. Please see attached - 03/26/2026<br>| Appraisal is Present or is Waived - 03/30/2026<br>Appraisal provided. Condition resolved. - 03/27/2026<br>|  | 2026-06-01 18:24 | Resolved | 4 | 1 | 4 | 1 |
| 2154534 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2026-04-07 16:33 | Cleared | 1 | 1 | 1 | 1 |
| 2154534 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2026-04-07 16:33 | Cleared | 1 | 1 | 1 | 1 |
| 2154534 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-04-07 17:35 | Cleared | 1 | 1 | 1 | 1 |
| 2151913 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 6 | xx/xx/xxxx | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements missing from the file. Please obtain 12 months of bank statements from the borrower's personal or business account to verify self-employment income totaling $xxxxx for xxxxx xxxxx. <br>|  | Document Uploaded. Please see attached - 03/30/2026<br>| Borrower 1 Business Bank Statements Provided - 04/01/2026<br>Business Bank Statements provided. Condition resolved. - 04/01/2026<br>|  | 2026-04-01 13:37 | Resolved | 3 | 1 | 3 | 2 |
| 2151913 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 6 | xx/xx/xxxx | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. Guideline max is 85%, need exception. <br>|  | Document Uploaded. Please see attached - 03/30/2026<br>| Exception approval provided. Condition waived. - 04/01/2026<br>| Low DTI<br> Number of years on job<br> 6 months reserves<br> High Discretionary Income<br> Housing history 0 X 30 for 12+months | 2026-04-01 13:36 | Waived | 3 | 2 | 3 | 2 |
| 2151913 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 6 | xx/xx/xxxx | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. Guideline max is 85%, need exception. <br>|  | Document Uploaded. Please see attached - 03/30/2026<br>| Exception approval provided. Condition waived. - 04/01/2026<br>| Low DTI<br> Number of years on job<br> 6 months reserves<br> High Discretionary Income<br> Housing history 0 X 30 for 12+months | 2026-04-01 13:37 | Waived | 3 | 2 | 3 | 2 |
| 2151913 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 6 | xx/xx/xxxx | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Guideline max is 85%, need exception. <br>|  | Document Uploaded. Please see attached - 03/30/2026<br>| Exception approval provided. Condition waived. - 04/01/2026<br>| Low DTI<br> Number of years on job<br> 6 months reserves<br> High Discretionary Income<br> Housing history 0 X 30 for 12+months | 2026-04-01 13:38 | Waived | 3 | 2 | 3 | 2 |
| 2151913 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 5 of 6 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2026-03-27 16:37 | Cleared | 1 | 1 | 3 | 2 |
| 2151913 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 6 of 6 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-03-27 19:54 | Cleared | 1 | 1 | 3 | 2 |
| 2155655 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2026-04-13 14:48 | Cleared | 1 | 1 | 3 | 1 |
| 2155655 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2026-04-13 14:48 | Cleared | 1 | 1 | 3 | 1 |
| 2155655 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | xx/xx/xxxx | Credit | Borrower 1 Deed of Trust Signature does not match Note | Borrower 1 Signature does not match Note Signature. The borrower signed the Note as an individual and the Deed of Trust as xxxxx xxxxx xxxxx xxxxx. The signatures do not match. <br>|  | Document Uploaded. please see page 235 of the original package for the document attached. - 04/15/2026 <br>Document Uploaded. Please see attached and accommodation rider to deed of trust verbiage - 04/14/2026<br>| Accommodation rider provided. Personal loan guaranty in file. Condition resolved. - 04/17/2026<br>Condition upheld. Document provided is not for subject address or borrower. - 04/15/2026<br>|  | 2026-04-17 13:37 | Resolved | 3 | 1 | 3 | 1 |
| 2155655 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | xx/xx/xxxx | Credit | Corporation/LLC: Operating Agreement Doc is Missing | The loan file does not contain the Corporation/LLC: Operating Agreement. Missing the Operating Agreement for xxxxx xxxxx xxxxx xxxxx <br>|  | Document Uploaded. Please see attached - 04/14/2026<br>| Corporation/LLC: Operating Agreement provided. Condition resolved. - 04/15/2026<br>|  | 2026-04-17 13:37 | Resolved | 3 | 1 | 3 | 1 |
| 2155656 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2026-04-13 15:23 | Cleared | 1 | 1 | 3 | 1 |
| 2155656 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | xx/xx/xxxx | Property | Value - Field Review Supports Value within 10% | A Retro-Field Review was performed. The original appraised value is supported with a variance within 10%. <br>|  |  |  |  | 2026-04-13 15:23 | Cleared | 1 | 1 | 3 | 1 |
| 2155656 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | xx/xx/xxxx | Credit | Borrower 1 Deed of Trust Signature does not match Note | Borrower 1 Signature does not match Note Signature. The borrower signed the Note as an individual and the Deed of Trust as xxxxx xxxxx xxxxx xxxxx. The signatures do not match. <br>|  | Document Uploaded. please see page 261 of the original package for the document attached. - 04/15/2026 <br>Document Uploaded. - 04/14/2026<br>| Accommodation rider provided. Personal loan guaranty in file. Condition resolved. - 04/17/2026<br>The business entity names match. - 04/17/2026<br>The business entity names match. - 04/17/2026<br>Condition upheld. Document provided is not for subject address or the borrower. - 04/15/2026<br>|  | 2026-04-17 13:40 | Resolved | 3 | 1 | 3 | 1 |
| 2155656 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | xx/xx/xxxx | Credit | Corporation/LLC: Operating Agreement Doc is Missing | The loan file does not contain the Corporation/LLC: Operating Agreement. Missing the Operating Agreement for xxxxx xxxxx xxxxx xxxxx <br>|  | Document Uploaded. Please see attached - 04/14/2026<br>| Corporation/LLC: Operating Agreement provided. Condition resolved. - 04/15/2026<br>|  | 2026-04-17 13:40 | Resolved | 3 | 1 | 3 | 1 |
| 2155656 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Loan program is DSCR. Income/Employment has been disclosed on application. Loan program is DSCR. Income/Employment has been disclosed on application. <br>|  | Document Uploaded. Please see attached - 04/14/2026<br>| Updated 1003 provided. Condition resolved. - 04/15/2026<br>|  | 2026-04-17 13:40 | Resolved | 3 | 1 | 3 | 1 |
| 2155658 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 5 | xx/xx/xxxx | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. Max is 85% per FICO score. No exception located in file <br>|  | Document Uploaded. Please see attached - 04/14/2026<br>| Exception approval provided. Condition waived. - 04/14/2026<br>| 6+ months reserves<br> High Discretionary Income<br> Housing history 0 X 30 for 12+ months | 2026-04-14 21:11 | Waived | 3 | 2 | 3 | 2 |
| 2155658 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 5 | xx/xx/xxxx | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. Max is 85% per FICO score. No exception located in file <br>|  | Document Uploaded. Please see attached - 04/14/2026<br>| Exception approval provided. Condition waived. - 04/14/2026<br>| 6+ months reserves<br> High Discretionary Income<br> Housing history 0 X 30 for 12+ months | 2026-04-14 21:12 | Waived | 3 | 2 | 3 | 2 |
| 2155658 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 5 | xx/xx/xxxx | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Max is 85% per FICO score. No exception located in file <br>|  | Document Uploaded. Please see attached - 04/14/2026<br>| Exception approval provided. Condition waived. - 04/14/2026<br>| 6+ months reserves<br> High Discretionary Income<br> Housing history 0 X 30 for 12+ months | 2026-04-14 21:14 | Waived | 3 | 2 | 3 | 2 |
| 2155658 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2026-04-13 16:18 | Cleared | 1 | 1 | 3 | 2 |
| 2155658 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 5 of 5 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-04-13 19:24 | Cleared | 1 | 1 | 3 | 2 |
| 2161435 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2026-04-22 14:43 | Cleared | 1 | 1 | 4 | 1 |
| 2161435 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | xx/xx/xxxx | Property | Missing Appraisal | The loan file does not contain the appraisal. <br>|  | Document Uploaded. Please see attached - 04/23/2026<br>| Appraisal provided. Condition resolved. - 04/24/2026<br>|  | 2026-04-24 20:55 | Resolved | 4 | 1 | 4 | 1 |
| 2161435 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-04-22 16:33 | Cleared | 1 | 1 | 4 | 1 |
| 2151570 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-03-25 19:30 | Cleared | 1 | 1 | 3 | 1 |
| 2151570 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2026-03-26 22:24 | Cleared | 1 | 1 | 3 | 1 |
| 2151570 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | xx/xx/xxxx | Credit | Condo - HOA Dues | The file does not contain documentation supporting the HOA/Condo dues. Missing verification of HOA dues for the properties at xxxxx and xxxxx xxxxx xxxxx. <br>|  | Document Uploaded. See HOA due for both properties xxxxx xxxxx with HOA DUE of $xxxxx/ mo. and xxxxx xxxxx with HOA DUE of $xxxxx/ mo. - 03/27/2026 | HOA fees provided. Condition resolved. - 03/27/2026<br>|  | 2026-03-27 21:11 | Resolved | 3 | 1 | 3 | 1 |
| 2155473 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 1 of 6 | xx/xx/xxxx | Compliance | Charges That Cannot Increase Test (50001251) | 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: Reinspection. 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)). Reinspection fee added on xxxxx in the amount of $xxxxx. There is not a valid COC in file for explanation of why fee was being added to disclosure. Reinspection fee on final CD was reduced and is in the amount of $xxxxx. <br>|  | Document Uploaded. - 04/07/2026<br>| Received CIC for the additional fee - 04/08/2026<br>|  | 2026-04-08 15:10 | Resolved | 3 | 1 | 3 | 1 |
| 2155473 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 2 of 6 | xx/xx/xxxx | Compliance | Borrower 1 Final Signature Date is in the future | Borrower 1 Final Signature Date is after the transaction date. Only final application found in the loan documents has a date of xxxxx, which is 3 days after the final closing date. <br>|  | Document Uploaded. Loan is a hybrid-closing. Final URLA was sent to borrower on xxxxx, however, borrower was having issues signing. The Security Instrument & Note aligns with the closing date xxxxx. This should be acceptable. - 04/14/2026 | Received evidence of closing and final application date - 04/15/2026<br>|  | 2026-04-15 15:18 | Resolved | 1 | 1 | 3 | 1 |
| 2155473 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 3 of 6 | xx/xx/xxxx | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. Per guidelines, all fraud alerts to be cleared and documented in the loan documents, which could not be found. <br>|  | Document Uploaded. Cleared XXXX (attached). - 04/07/2026<br>| Cleared fraud report provided. Condition resolved. - 04/08/2026<br>|  | 2026-04-08 16:35 | Resolved | 3 | 1 | 3 | 1 |
| 2155473 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 4 of 6 | xx/xx/xxxx | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. The application states that there are insurance, taxes, Association Dues, etc. of $xxxxx. It could not be determined what this is but has been included in the debts. The mortgage statement reflects that there are escrows for the property included in the loan payment but it could not be determined what was included in this escrow. No documents to support what was included in the $xxxxx amount reflected or if the property is in an HOA. <br>|  | Document Uploaded. See 1003, 1008, and Mortgage Statement for xxxxx, which includes Taxes and Insurance for a total of $xxxxx - 04/07/2026 | Docs provided. Condition resolved. - 04/08/2026<br>|  | 2026-04-08 16:41 | Resolved | 3 | 1 | 3 | 1 |
| 2155473 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 5 of 6 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. 1. Per guidelines, in order to use a lessor expense ratio to calculate the income with the bank statements a CPA, IRS enrolled agent, or licensed tax preparer must provide this ratio. The CPA letter in the file does not address this.<br>2. There was a large deposit of $xxxxx onxxxxx which was used in the calculation of income. This exceeds the 50% allowable amount for large deposits without supporting documentation. There was an email in the file where it appears that approval to allow this deposit was based on no clawbacks from the advance payments on his royalties. It was notated that additional documentation to support this would be provided in the file. No additional documentation could be found to support this. <br>|  | Document Uploaded. Using 50% expense - see attached income worksheet. DTI is still low. CPA update should not be required. Also attached is the signed contract included for other documentation. - 04/07/2026<br>| Docs provided. Condition resolved. - 04/08/2026<br>|  | 2026-04-08 16:48 | Resolved | 3 | 1 | 3 | 1 |
| 2155473 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 6 of 6 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2026-04-06 21:27 | Cleared | 1 | 1 | 3 | 1 |

---

## Exhibit 99.05

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

**Exhibit 99.05 - Schedule 2**

![](maxwell-logo.jpg)

Client Maxwell Diligence Solutions LLC <br> Transaction 5th Street Capital 2026 <br> Date 06/12/2026

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 2151912 |  |  | xx/xx/xxxx | xxxxx | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 2144727 |  |  | xx/xx/xxxx | xxxxx | 4 | 1 | 3 | 1 | 1 | 1 | 4 | 1 D A C |
| 2154534 |  |  | xx/xx/xxxx | xxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 2151913 |  |  | xx/xx/xxxx | xxxxx | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 2155655 |  |  | xx/xx/xxxx | xxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 2155656 |  |  | xx/xx/xxxx | xxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 2155658 |  |  | xx/xx/xxxx | xxxxx | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 2161435 |  |  | xx/xx/xxxx | xxxxx | 4 | 1 | 1 | 1 | 1 | 1 | 4 | 1 D A |
| 2151570 |  |  | xx/xx/xxxx | xxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 2155473 |  |  | xx/xx/xxxx | xxxxx | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |

---

## Exhibit 99.05

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

**Exhibit 99.05 - Schedule 3**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2151912 |  |  | xx/xx/xxxx | xxxxx |  | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 75.0 | 75.0 | xxxxx | xxxxx | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Low Risk | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2144727 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 80.0 | 80.0 | xxxxx | xxxxx | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Low Risk | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2154534 |  |  | xx/xx/xxxx | xxxxx |  | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 51.5 | 51.5 | xxxxx | xxxxx | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Moderate Risk | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2151913 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 90.0 | 90.0 | xxxxx | xxxxx | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Moderate Risk | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2155655 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | 1025 Small Residential Income Report | xxxxx | xxxxx | xxxxx | 80.0 | 80.0 | xxxxx | xxxxx | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Low Risk | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2155656 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | 1025 Small Residential Income Report | xxxxx | xxxxx | xxxxx | 80.0 | 80.0 | xxxxx | xxxxx | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Low Risk | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2155658 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 90.0 | 90.0 | xxxxx | xxxxx | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Low Risk | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2161435 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 75.0 | 75.0 | xxxxx | xxxxx | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Low Risk | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2151570 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 90.0 | 90.0 | xxxxx | xxxxx | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Moderate | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  |  |
| 2155473 |  |  | xx/xx/xxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 80.0 | 80.0 | xxxxx | xxxxx | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Low Risk | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  |  |

---

## Exhibit 99.05

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

**Exhibit 99.05 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing State** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** | **Property Location** | **Appraisal Company** | **Title Company Name** | **MERS MIN Number** |
| 2151912 |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx |  | N/A |  |  | xxxxx |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.019 | 1.01 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx | xx/xx/xxxx |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Real ID Driver's License |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  | xxxxx | xxxxx | xxxxx | Real ID Driver's License |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 165330.16 | 44.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | xxxxx | xxxxx |  |  | false | 1 | xx/xx/xxxx | Fixed | DSCR | Cash Out - Other | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  | 5% | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | xxxxx | xxxxx |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| 2144727 |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 13600.00 | xx/xx/xxxx | 5.990% | Manual Underwriting | Manual Underwriting | No | xxxxx |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | N/A |  |  | xxxxx |  |  | 39.51% | 39.51% | 39.51% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | Yes | No | 60 | No | Yes | Yes | 2 | 0 | No |  |  |  | 100.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Asset Depletion - Personal Bank Statements Verified | Borrower | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx |  |  |  | 825 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Real ID Driver's License |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 71601.09 | 28.3 | 388371.31 | 153.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxxxx |  |  |  | true | 1 | xx/xx/xxxx | Fixed | Conventional | NA | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A - Not investment property |  |  |  |  | xxxxx |  |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| 2154534 |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 5182.19 | xx/xx/xxxx | 6.120% | Manual Underwriting | Manual Underwriting | No | xxxxx |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | N/A |  |  | xxxxx |  |  | 45.55% | 45.55% | 45.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | Less than 1 Month | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA | No | Yes | 60 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | Yes | 2 | 36 | FNMA 1005 |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Wage, Child Support, Asset Depletion - CPA Letter Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Real ID Driver's License |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 38065.69 | 8.1 | 38065.69 | 8.1 | No | 51.5 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxxxx |  |  |  | false | 1 | xx/xx/xxxx | Fixed | Conventional | No Cash Out - Borrower Initiated | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | xxxxx | xxxxx |  |  |  |  |  |  | xxxxx | xxxxx |  |  |  |  |  |  | N/A - Not investment property | 11 |  |  |  | xxxxx |  |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| 2151913 |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 9633.75 | xx/xx/xxxx | 6.020% | Manual Underwriting | Manual Underwriting | No | xxxxx |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | N/A | xxxxx | xxxxx | xxxxx |  | Annually | 36.09% | 36.09% | 36.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 |  | 2+ Months | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 67.15% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 384 | No |  | Yes | 129 | 129 | Other |  | 0 |  | No | 0 |  |  | Borrower - Wage, SSI and Disability, SESoleProprietor - CPA Letter Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Business Bank Statements Verified - 2024, 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Real ID Driver's License |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 78408.49 | 17.7 | 78408.49 | 17.7 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxxxx |  |  |  | false | 1 | xx/xx/xxxx | Fixed | Conventional | NA | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | xxxxx | xxxxx |  |  |  |  |  |  | xxxxx | xxxxx |  |  |  |  |  |  | No | 6 |  |  |  | xxxxx |  |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| 2155655 |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx |  | N/A |  |  | xxxxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.518 | 1.518 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 252967.39 | 128 | 252967.39 | 128 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xxxxx |  |  |  | false | 2 | xx/xx/xxxx | Fixed | DSCR | NA | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | 5%, 5%, 5% | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | xxxxx |  |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| 2155656 |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx |  | N/A |  |  | xxxxx |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.505 | 1.6 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 252168.22 | 126.5 | 252168.22 | 126.5 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xxxxx |  |  |  | false | 2 | xx/xx/xxxx | Fixed | DSCR | NA | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | 5%, 5%, 5% | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | xxxxx |  |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| 2155658 |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 10782.00 | xx/xx/xxxx | 6.220% | Manual Underwriting | Manual Underwriting | No | xxxxx |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | N/A |  |  | xxxxx |  |  | 43.22% | 43.22% | 43.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2025, 2026 | Borrower - 2025, 2026 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Real ID Driver's License |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 49255.51 | 9.6 | 49255.51 | 9.6 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxxxx |  |  |  | false | 1 | xx/xx/xxxx | Fixed | Conventional | NA | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | xxxxx | xxxxx |  |  |  |  |  |  | xxxxx | xxxxx |  |  |  |  |  |  | N/A - Not investment property | 18.97 |  |  |  | xxxxx |  |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| 2161435 |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 9900.00 | xx/xx/xxxx | 6.430% | Manual Underwriting | Manual Underwriting | No | xxxxx |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | N/A |  |  | xxxxx |  |  | 26.99% | 27.02% | 27.02% | Yes | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 70.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 12 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower \|\| Co Borrower - SECorporation, SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026 | Borrower \|\| Co Borrower - 2025, 2026 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx | xx/xx/xxxx |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Passport |  | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xx/xx/xxxx | N/A |  |  | xxxxx | xxxxx | xxxxx | Passport |  | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xx/xx/xxxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | Foreign Credit Report | 103715.43 | 16.8 | 103715.43 | 16.8 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xxxxx | xxxxx |  |  | false | 1 | xx/xx/xxxx | Fixed | Conventional | NA | xxxxx | xxxxx | xxxxx |  | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  | xxxxx | xxxxx |  |  |  |  | N/A - Not investment property |  | 10 |  |  | xxxxx | xxxxx |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| 2151570 |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 1790.00 | xx/xx/xxxx | 6.100% | Manual Underwriting | Manual Underwriting | No | xxxxx |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | N/A |  |  | xxxxx |  |  | 13.51% | 13.27% | 13.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025 | Borrower - 2025 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Real ID Driver's License |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 129251.96 | 25.5 | 129251.96 | 25.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxxxx |  |  |  | false | 1 | xx/xx/xxxx | Fixed | Conventional | NA | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | xxxxx | xxxxx |  |  |  |  |  |  | xxxxx | xxxxx |  |  |  |  |  |  | N/A - Not investment property | 20 |  |  |  | xxxxx |  |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| 2155473 |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1790.00 | xx/xx/xxxx | 5.980% | Manual Underwriting | Manual Underwriting | No | xxxxx |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | N/A | xxxxx | xxxxx | xxxxx |  | Annually | 14.55% | 14.55% | 14.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Standard Driver's License - Not for federal use |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 372586.41 | 82.2 | 372586.41 | 82.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxxxx |  |  |  | false | 1 | xx/xx/xxxx | Fixed | Conventional | NA | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | xxxxx | xxxxx |  |  |  |  |  |  | xxxxx | xxxxx |  |  |  |  |  |  | N/A - Not investment property | 4 |  |  |  | xxxxx |  |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |

---

## Exhibit 99.05

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

**Exhibit 99.05 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2151912 |  |  | xxxxx | xxxxx | Debt Service Coverage Ratio | Present | Yes | 4250 | 3800 | Appraisal - 1007 |  |  |  |  | 3800 | Appraisal - 1007 | No | 98.1 | 1.01 | 1.019 | xxxxx | 4250 | xx/xx/xxxx | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36606 |  |  |  | 3800 |  |  |  |  |  |  |  | No | 7.6 | 1 | 1 | N/A | 44.35 | No |  |  | Vested Individual | xxxxx | xxxxx | Vested Individual | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2155655 |  |  | xxxxx | xxxxx | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1025 |  |  |  |  | 3000 | Appraisal - 1025 | No | 65.88 | 1.518 | 1.518 | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36800 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 8 | 2 | 1 | N/A | 128 | Yes | xxxxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxxxx |
| 2155656 |  |  | xxxxx | xxxxx | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1025 |  |  |  |  | 3000 | Appraisal - 1025 | No | 66.43 | 1.6 | 1.505 | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36800 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 8 | 2 | 1 | N/A | 126.53 | Yes | xxxxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxxxx |

---

## Exhibit 99.05

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

**Exhibit 99.05 - Schedule 6**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2151912 |  |  | xxxxx | Final Reviewed QM Status | xxxxx | xxxxx | xxxxx | xxxxx |
| 2144727 |  |  | xxxxx | Property Type | xxxxx | xxxxx | xxxxx | xxxxx |
| 2144727 |  |  | xxxxx | Borrower 1 FTHB | xxxxx | xxxxx | xxxxx | xxxxx |
| 2144727 |  |  | xxxxx | Verified Doc Type | xxxxx | xxxxx | xxxxx | xxxxx |
| 2144727 |  |  | xxxxx | Final Reviewed QM Status | xxxxx | xxxxx | xxxxx | xxxxx |
| 2154534 |  |  | xxxxx | Qualifying Total Debt Income Ratio | xxxxx | xxxxx | xxxxx | xxxxx |
| 2151913 |  |  | xxxxx | Verified Doc Type | xxxxx | xxxxx | xxxxx | xxxxx |
| 2151913 |  |  | xxxxx | Primary Appraised Property Value | xxxxx | xxxxx | xxxxx | xxxxx |
| 2151913 |  |  | xxxxx | Final Reviewed QM Status | xxxxx | xxxxx | xxxxx | xxxxx |
| 2155655 |  |  | xxxxx | Property Type | xxxxx | xxxxx | xxxxx | xxxxx |
| 2155655 |  |  | xxxxx | Final Reviewed QM Status | xxxxx | xxxxx | xxxxx | xxxxx |
| 2155656 |  |  | xxxxx | Property Type | xxxxx | xxxxx | xxxxx | xxxxx |
| 2155656 |  |  | xxxxx | Final Reviewed QM Status | xxxxx | xxxxx | xxxxx | xxxxx |
| 2155658 |  |  | xxxxx | Primary Appraised Property Value | xxxxx | xxxxx | xxxxx | xxxxx |
| 2151570 |  |  | xxxxx | Application Date | xxxxx | xxxxx | xxxxx | xxxxx |
| 2155473 |  |  | xxxxx | Application Date | xxxxx | xxxxx | xxxxx | xxxxx |
| 2155473 |  |  | xxxxx | CLTV | xxxxx | xxxxx | xxxxx | xxxxx |

---

## Exhibit 99.06

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

**Exhibit 99.06**

![](ex9906001.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC ("Client"). The review included a total of 574 originated residential mortgage loan, in connection with the securitization identified as EFMT 2026-NQM7 (the "Securitization"). The review began on September 23, 2025 and concluded on June 10, 2026.

**Scope of Review**

**DUE DILIGENCE REVIEWS – DSCR Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT
 REVIEW .

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete,
 Signed, Dated, on or before loan consummation date,

2. <u>Review Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions
 have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of DSCR or qualification method and LTV calculations

3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Occupancy
 Red Flags adequately addressed

4. <u>Verification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Acceptable
 credit history and credit score requirements in conformance with Goldman's guidelines.

5. <u>Order and Reviews Risk IQ Report (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Identifies
 bankruptcy filings with the Borrower(s) name.

6. <u>Verification of Borrower Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. lease
 agreement or market survey for rental income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Validate
 borrowers monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate
 DSCR Calculation of rent per lease or comparable rent schedule from appraisal divided
 by the subject total PITIA payment – DSCR If Lease and comparable rent payments
 differ Digital Risk will refer to the client guidelines for further guidance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DSCR and any required upfront premium is paid

9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

10. <u>Review Closing Documents</u>.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Settlement Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation
 Review

1. <u>Review Appraisal</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital
 Risk's review included a review of the valuation materials utilized during the
 origination of the loan and in confirming the value of the underlying property. Digital
 Risk's review included verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains evidence that Client approved use of
 that appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the closing
 of the loan. Any revisions, if made known to Digital Risk, to the original report are
 documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file, but notes a variance
 above 10% or an inconclusive value, Digital Risk will review third-party products in
 the file to ensure the correct value was applied per Client Guidelines

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of Digital Risk's review include (i) verifying that the address matched
 the mortgage note, (ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that if there
 are negative external factors, there is support in the loan file of the Client's
 approval to waive the factor; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in Digital
 Risk's review result in a variance of more than 10% then the Client will be notified
 of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital
 Risk will confirm to the extent possible, that the appraiser and the appraisal made by
 such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital
 Risk will review the appraisal for conformity to industry standards, including ensuring
 the appraisal was complete, that the comparable properties and adjustments were documented
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, Digital Risk will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

&nbsp;&nbsp;&nbsp;&nbsp;C. Compliance
 Review

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

1. Federal
 Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below (for applicable Owner Occupied Properties):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

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

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

2. <u>TILA</u> (for applicable Owner Occupied Properties)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

3. Business
 Purpose Loan Compliance Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Non-Owner
 Occupied Declaration Disclosure

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 Note accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 Mortgage and applicable riders for accuracy and properly executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Letter (must state that borrower(s) will not reside in the property for more than 14
 days on any calendar year, and be acknowledged by the consumer).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. HMDA
 section (Information for Government Monitoring Purposes) of the application (initial
 and/or final)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. If
 property is in a flood zone, Flood Notice must be provided prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Right
 to Receive Copy of Appraisal or Appraisal Waiver Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Letter
 of Explanation detailing the use of proceeds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Borrower's
 statement of purpose for the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. State
 License requirements when applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. State
 Predatory lending and high cost when applicable

4. <u>Exclusions</u>.
 Digital Risk reviews do not test for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital
 Risk will review applicable mortgage loans for compliance with the ATR and QM rule requirements
 based upon each mortgage loan's originator designation of QM, Non- QM, or exempt
 from ATR. Digital Risk determines the mortgage loan's status under the ATR or QM
 rule requirements and assigns a due diligence mortgage loan designation. Generally, Digital
 Risk notes as a material exception if the due diligence findings do not confirm the originator's
 mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage
 loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital
 Risk utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
 Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR
 Exempt and ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, Digital Risk reviews the mortgage loan to determine
 whether, based on available information in the mortgage loan file, if the mortgage loan
 satisfied (i), (ii) and (iii) in the preceding paragraph.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, Digital Risk then determines whether the mortgage loan complies with the ATR rule
 consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM indicating compliant,
 ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Digital
 Risk reviews the mortgage loan to determine whether, based on available information in
 the mortgage loan file, the creditor considered, as applicable, the following eight underwriting
 factors, and will verify such information using reasonably reliable third- party records,
 at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt- to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

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

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**DUE DILIGENCE REVIEWS – Bank Statement Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT
 REVIEW.

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

The "Credit Review" included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Accept/Eligible
 decision

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AUS
 data integrity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Underwriting
 decision is supported (AUS or manual underwrite credit conditions have been satisfied
 prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Reconcile
 AUS mismatches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Red
 Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Reverification of Borrower Original and Audit Credit Report (if needed)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. The
 Reverifications within this section are intended to meet the Client Guidelines, Additional
 Guidelines or Agency Guidelines for post-closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Order and Reviews Risk IQ Report to compare vs loan documentation (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Verification of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
and Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
(as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
Statements or other Alternate Income documents as required by the Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing
Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
Reverifications within this section are intended to meet the Agency Guidelines for post- closing quality control reverifications.
(If needed)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
funds verified and met Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The
Reverifications within this section are intended to meet the Client or Agency Guidelines for post- closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient
 Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital
 Risk will review applicable mortgage loans for compliance with the ATR and QM rule requirements
 based upon each mortgage loan's originator designation of QM, Non- QM, or exempt
 from ATR. Digital Risk determines the mortgage loan's status under the ATR or QM
 rule requirements and assigns a due diligence mortgage loan designation. Generally, Digital
 Risk notes as a material exception if the due diligence findings do not confirm the originator's
 mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage
 loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital
 Risk utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
 Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR
 Exempt and ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, Digital Risk reviews the mortgage loan to determine
 whether, based on available information in the mortgage loan file, if the mortgage loan
 satisfied (i), (ii) and (iii) in the preceding paragraph.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, Digital Risk then determines whether the mortgage loan complies with the ATR rule
 consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM indicating compliant,
 ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Digital
 Risk reviews the mortgage loan to determine whether, based on available information in
 the mortgage loan file, the creditor considered, as applicable, the following eight underwriting
 factors, and will verify such information using reasonably reliable third- party records,
 at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt- to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

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

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family
 Guaranteed Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation
 Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital
 Risk's review included a review of the valuation materials utilized during the
 origination of the loan and in confirming the value of the underlying property. Digital
 Risk's review included verifying the appraisal report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan application; Any revisions, if made known to Digital Risk, to the original report
 are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file, but notes a variance
 above 10% or an inconclusive value, Digital Risk will recommend a BPO or field review
 be ordered.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of Digital Risk's review include (a) verifying that the address matched
 the mortgage note, (b) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (c) confirming
 the appraisal report does not include any apparent environmental problems, (d) confirming
 the appraisal notes the current use of the property is legal or legal non-conforming
 (grandfathered), (e) reviewing pictures to ensure (1) that the property is in average
 or better condition and any repairs are noted where required and (2) that the subject
 property is the one for which the valuation was ordered and that there are no negative
 external factors; and (f) confirming that the value product that was used as part of
 the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, Digital Risk will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, Digital
 Risk will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in Digital
 Risk's review result in a variance of more than 10% then the client will be notified
 of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Digital
 Risk will confirm to the extent possible, that the appraiser and the appraisal made by
 such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Digital
 Risk will review the appraisal for conformity to industry standards, including ensuring
 the appraisal was complete, that the comparable properties and adjustments were reasonable
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, Digital Risk will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. COMPLIANCE
 REVIEW.

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

The below Compliance Review is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Digital Risk implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and

(ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Digital Risk worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Digital Risk continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
 LE are completed; and (iii) the Initial LE accurately reflects the information provided
 to Digital Risk

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a Revised LE, confirm (i) that there is a "valid reason" for the
 Revised LE; and (ii)
that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A Revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm
 initial LE was delivered within three (3) business days from the application date, and
 at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 revised LE was delivered within three (3) business days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) business days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the CD review and confirm (i) the correct form was used; (ii) all sections of the CD
 are completed; and (iii) the CD accurately reflects the information provided to Digital
 Risk.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirm (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 Initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) business days prior to the consummation
 date. With respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
 CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
 of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge
 tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and (iii) with respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>RESPA:</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm
 that the CHARM booklet was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) business
 days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) business days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Exclusions</u>.
 Digital Risk will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 574 loans. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Amortization Term in Months | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;22 | &nbsp;&nbsp;3.74% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;161 | &nbsp;&nbsp;28.05% |
| &nbsp;&nbsp;First Payment Due Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;34 | &nbsp;&nbsp;5.92% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;20 | &nbsp;&nbsp;3.48% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Original Qualifying FICO Score | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.74% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.61% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.55% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Subject State | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Subject Zipcode | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;The Original Principal and Interest Payment Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.52% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;387 | &nbsp;&nbsp;$130805699.00 | &nbsp;&nbsp;67.42% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;176 | &nbsp;&nbsp;$58622890.00 | &nbsp;&nbsp;30.66% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;11 | &nbsp;&nbsp;$9547819.00 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;574 | &nbsp;&nbsp;$198976408.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;481 | &nbsp;&nbsp;$167180837.00 | &nbsp;&nbsp;83.80% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;93 | &nbsp;&nbsp;$31795571.00 | &nbsp;&nbsp;16.20% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;574 | &nbsp;&nbsp;$198976408.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;457 | &nbsp;&nbsp;$149309574.00 | &nbsp;&nbsp;79.62% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;106 | &nbsp;&nbsp;$40119015.00 | &nbsp;&nbsp;18.47% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;11 | &nbsp;&nbsp;$9547819.00 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;574 | &nbsp;&nbsp;$198976408.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;566 | &nbsp;&nbsp;$195042045.00 | &nbsp;&nbsp;98.61% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;8 | &nbsp;&nbsp;$3934363.00 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;574 | &nbsp;&nbsp;$198976408.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The valuation methodology does not meet applicable published guidelines for the program. <br> The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br>The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products, the lower of the appraised value, purchase price for purchases, and reconciliation value will be used to establish lending value.<br>The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms.  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.06

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

**Exhibit 99.06 - Schedule 1**

---

| |
|:---|
| EFMT 2026-NQM7 Rebuttal Findings 06.15.2026 |
| Seller: |
| Deal ID: |
| Total Loan Count: 574 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Loans by Grade in Population | Loans by Grade in Population | Loans by Grade in Population | Trade Summary | Trade Summary | Trade Summary |
| Loan Grade | Count | Percentage | Loan Status | Count | Percentage |
| 1 | 387 | 67.42% | Review Complete | 562 | 97.91% |
| 2 | 176 | 30.66% | In Rebuttal | 12 | 2.09% |
| 3 | 11 | 1.92% |  |  |  |
| ![](pie-chart.jpg) | ![](pie-chart.jpg) | ![](pie-chart.jpg) | ![](pie-chart1.jpg) | ![](pie-chart1.jpg) | ![](pie-chart1.jpg) |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| |  |  |  | Finding Status | Finding Status | Finding Status | Finding Status | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |  |  |  |
| Initial Findings Grade | Count | Rebuttal Received | Responses Given | Open | Resolved | UpHeld | Void | 3 | 4 | 2 | 1 |  |  |  |
| 3 | 562 | 512 | 538 | 16 | 456 | 0 | 0 | 16 | 0 | 116 | 430 |  |  |  |
| 4 | 10 | 10 | 10 | 1 | 5 | 0 | 0 | 0 | 0 | 4 | 6 |  |  |  |
| 2 | 221 | 77 | 111 | 0 | 77 | 0 | 0 | 0 | 0 | 147 | 74 |  |  |  |
| 1 | 1250 | 13 | 14 | 1189 | 0 | 0 | 14 | 0 | 0 | 1 | 1249 |  |  |  |
|  | 4 | 2 | 2 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 4 |  |  |  |
|  |  |  |  |  |  |  |  |  | Initial Finding Grade | Initial Finding Grade | Initial Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |
| Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Exceptions | Count | 3 | 4 | 2 | 3 | 4 | 2 |
| Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | Compliance | 331 | 146 | 3 | 182 | 16 | 0 | 132 |
| Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | Note - Incomplete | 96 | 23 | 0 | 73 | 0 | 0 | 6 |
| Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | Security Instrument - Inaccurate | 30 | 12 | 0 | 18 | 0 | 0 | 18 |
| State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | State Testing - Prepayment Penalty | 26 | 0 | 0 | 26 | 0 | 0 | 26 |
| HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | HUD1 - Not Final | 18 | 0 | 0 | 18 | 0 | 0 | 13 |
| HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | HOC - Missing | 15 | 0 | 0 | 15 | 0 | 0 | 15 |
| TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | TRID - Zero Tolerance Violation (No Valid COC) | 13 | 12 | 0 | 1 | 0 | 0 | 5 |
| Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | Security Instrument - Name Discrepancy | 10 | 10 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | Security Instrument - Incomplete | 10 | 9 | 0 | 1 | 0 | 0 | 0 |
| TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | TRID - 10% Tolerance Violation (No Valid COC) | 9 | 8 | 0 | 1 | 1 | 0 | 5 |
| TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | TRID - CD - Section B incorrect payee | 9 | 0 | 0 | 9 | 0 | 0 | 9 |
| TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | 8 | 8 | 0 | 0 | 1 | 0 | 4 |
| TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | TRID - Zero Tolerance Violation (Revised Disclosure Late) | 6 | 6 | 0 | 0 | 0 | 0 | 1 |
| HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | HUD1 - Missing (All) | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | Security Instrument - Missing Rider/Addendum | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | State Regulations | 5 | 0 | 0 | 5 | 0 | 0 | 5 |
| TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | 4 | 4 | 0 | 0 | 3 | 0 | 1 |
| TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | 4 | 4 | 0 | 0 | 2 | 0 | 1 |
| Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | Security Instrument - Signature Discrepancy | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | Security Instrument - Missing | 3 | 0 | 3 | 0 | 0 | 0 | 0 |
| QM - Points and Fees | QM - Points and Fees | QM - Points and Fees | QM - Points and Fees | QM - Points and Fees | QM - Points and Fees | QM - Points and Fees | QM - Points and Fees | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | ARM Disclosure - Missing | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | 3 | 3 | 0 | 0 | 0 | 0 | 3 |
| TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | TRID - Loan Estimate/Missing | 3 | 3 | 0 | 0 | 0 | 0 | 0 |
| Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | Note - Signature Discrepancy | 3 | 1 | 0 | 2 | 0 | 0 | 2 |
| TRID - LE/Revised Delivery Date (after issue of CD) | TRID - LE/Revised Delivery Date (after issue of CD) | TRID - LE/Revised Delivery Date (after issue of CD) | TRID - LE/Revised Delivery Date (after issue of CD) | TRID - LE/Revised Delivery Date (after issue of CD) | TRID - LE/Revised Delivery Date (after issue of CD) | TRID - LE/Revised Delivery Date (after issue of CD) | TRID - LE/Revised Delivery Date (after issue of CD) | 3 | 3 | 0 | 0 | 3 | 0 | 0 |
| TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | TRID - LE/Revised LE Delivery Date (prior to consummation) | 3 | 3 | 0 | 0 | 3 | 0 | 0 |
| TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | TRID - CD - Closing Information/Disbursement Date | 3 | 0 | 0 | 3 | 0 | 0 | 2 |
| TRID - CD - Total of Payments (TOP) Non-Rescindable | TRID - CD - Total of Payments (TOP) Non-Rescindable | TRID - CD - Total of Payments (TOP) Non-Rescindable | TRID - CD - Total of Payments (TOP) Non-Rescindable | TRID - CD - Total of Payments (TOP) Non-Rescindable | TRID - CD - Total of Payments (TOP) Non-Rescindable | TRID - CD - Total of Payments (TOP) Non-Rescindable | TRID - CD - Total of Payments (TOP) Non-Rescindable | 2 | 2 | 0 | 0 | 2 | 0 | 0 |
| Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | Compliance Finding - Missing Business Purpose Documentation | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | TRID - Initial LE/Delivery Date (from application) | 2 | 2 | 0 | 0 | 0 | 0 | 2 |
| TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | 2 | 2 | 0 | 0 | 0 | 0 | 2 |
| TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | TRID - CD/Payee Not Listed | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | State Testing - Prohibited Fees | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | TRID - CD - Loan Information/Loan Type | 2 | 0 | 0 | 2 | 0 | 0 | 2 |
| Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | Note - Inaccurate | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | HMDA - Government Monitoring | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| TRID - CD - $35 Tolerance Threshold/Rescindable | TRID - CD - $35 Tolerance Threshold/Rescindable | TRID - CD - $35 Tolerance Threshold/Rescindable | TRID - CD - $35 Tolerance Threshold/Rescindable | TRID - CD - $35 Tolerance Threshold/Rescindable | TRID - CD - $35 Tolerance Threshold/Rescindable | TRID - CD - $35 Tolerance Threshold/Rescindable | TRID - CD - $35 Tolerance Threshold/Rescindable | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | Note - Name Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| QM - FAIL APR Lending Policy | QM - FAIL APR Lending Policy | QM - FAIL APR Lending Policy | QM - FAIL APR Lending Policy | QM - FAIL APR Lending Policy | QM - FAIL APR Lending Policy | QM - FAIL APR Lending Policy | QM - FAIL APR Lending Policy | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| State HPML | State HPML | State HPML | State HPML | State HPML | State HPML | State HPML | State HPML | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | ROR - Timing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| TRID - CD - Lender NMLS Missing or Inaccurate | TRID - CD - Lender NMLS Missing or Inaccurate | TRID - CD - Lender NMLS Missing or Inaccurate | TRID - CD - Lender NMLS Missing or Inaccurate | TRID - CD - Lender NMLS Missing or Inaccurate | TRID - CD - Lender NMLS Missing or Inaccurate | TRID - CD - Lender NMLS Missing or Inaccurate | TRID - CD - Lender NMLS Missing or Inaccurate | 1 | 1 | 0 | 0 | 1 | 0 | 0 |
| TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | TRID - CD - Loan Disclosures/Escrow Account | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| State Testing - Late Fees Test | State Testing - Late Fees Test | State Testing - Late Fees Test | State Testing - Late Fees Test | State Testing - Late Fees Test | State Testing - Late Fees Test | State Testing - Late Fees Test | State Testing - Late Fees Test | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Credit | Credit | Credit | Credit | Credit | Credit | Credit | Credit | 436 | 390 | 7 | 39 | 0 | 0 | 133 |
| DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | DSCR - Program Parameters - Other | 76 | 51 | 0 | 25 | 0 | 0 | 32 |
| Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | Program Parameters - Other | 38 | 31 | 0 | 7 | 0 | 0 | 20 |
| DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | DSCR - Missing background check | 25 | 25 | 0 | 0 | 0 | 0 | 2 |
| Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | Hazard Insurance - Missing/Insufficient | 22 | 22 | 0 | 0 | 0 | 0 | 0 |
| Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | Credit - Other | 21 | 21 | 0 | 0 | 0 | 0 | 6 |
| DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | DSCR - Missing Entity Documentation | 19 | 19 | 0 | 0 | 0 | 0 | 1 |
| Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | Hazard Insurance - All Perils | 16 | 16 | 0 | 0 | 0 | 0 | 0 |
| Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | Credit Missing - One or More Reports Missing | 16 | 16 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | Appraisal - Other | 12 | 12 | 0 | 0 | 0 | 0 | 5 |
| Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | Debts - Not Verified | 11 | 11 | 0 | 0 | 0 | 0 | 3 |
| FEMA | FEMA | FEMA | FEMA | FEMA | FEMA | FEMA | FEMA | 10 | 10 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | Program Parameters - Property Type | 9 | 6 | 0 | 3 | 0 | 0 | 8 |
| Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | Credit Report - Other | 8 | 8 | 0 | 0 | 0 | 0 | 1 |
| Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | Program Parameters - LTV | 7 | 7 | 0 | 0 | 0 | 0 | 5 |
| Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | Assets - Minimum Reserves | 7 | 7 | 0 | 0 | 0 | 0 | 1 |
| Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | Appraisal - Appraisal Missing | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | Assets - Other | 6 | 6 | 0 | 0 | 0 | 0 | 1 |
| Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | Flood Certificate - Missing | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | DSCR - Missing HUD | 6 | 6 | 0 | 0 | 0 | 0 | 0 |
| Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | Mortgage History - Missing/Incomplete | 5 | 5 | 0 | 0 | 0 | 0 | 1 |
| Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | Contract - Missing | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - Credit Score | Program Parameters - Credit Score | Program Parameters - Credit Score | Program Parameters - Credit Score | Program Parameters - Credit Score | Program Parameters - Credit Score | Program Parameters - Credit Score | Program Parameters - Credit Score | 5 | 5 | 0 | 0 | 0 | 0 | 5 |
| Property is currently listed for sale or has been sold | Property is currently listed for sale or has been sold | Property is currently listed for sale or has been sold | Property is currently listed for sale or has been sold | Property is currently listed for sale or has been sold | Property is currently listed for sale or has been sold | Property is currently listed for sale or has been sold | Property is currently listed for sale or has been sold | 5 | 5 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | Verification Documentation - VOR | 5 | 4 | 0 | 1 | 0 | 0 | 2 |
| Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | Assets - Bank Statements | 4 | 2 | 2 | 0 | 0 | 0 | 2 |
| Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | Appraisal - Missing required 1004 D | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | Final Application - Missing | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
| DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | DTI - Exceeds Guidelines - originator (not pcqc eligible) | 3 | 3 | 0 | 0 | 0 | 0 | 2 |
| Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | Income - Insufficient Documentation | 3 | 3 | 0 | 0 | 0 | 0 | 2 |
| Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | Verification Documentation - VOE Self-Employed/Missing | 3 | 3 | 0 | 0 | 0 | 0 | 2 |
| Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | Income - Other | 3 | 1 | 2 | 0 | 0 | 0 | 2 |
| Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | Income - Employment History | 3 | 3 | 0 | 0 | 0 | 0 | 3 |
| Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | Gift Letter - No Evidence of Funds | 3 | 3 | 0 | 0 | 0 | 0 | 3 |
| Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | Income - Other/Missing | 3 | 3 | 0 | 0 | 0 | 0 | 1 |
| Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | Income - Rental Property/Missing Lease | 3 | 3 | 0 | 0 | 0 | 0 | 1 |
| Assets - Source | Assets - Source | Assets - Source | Assets - Source | Assets - Source | Assets - Source | Assets - Source | Assets - Source | 3 | 3 | 0 | 0 | 0 | 0 | 1 |
| Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | Program Parameters - Loan Amount | 2 | 1 | 0 | 1 | 0 | 0 | 2 |
| Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | Credit Report - Alerts | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Continuity of Obligation | Continuity of Obligation | Continuity of Obligation | Continuity of Obligation | Continuity of Obligation | Continuity of Obligation | Continuity of Obligation | Continuity of Obligation | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | Verification Documentation - VVOE Salaried/Missing | 2 | 2 | 0 | 0 | 0 | 0 | 2 |
| Income - W2(s) Missing | Income - W2(s) Missing | Income - W2(s) Missing | Income - W2(s) Missing | Income - W2(s) Missing | Income - W2(s) Missing | Income - W2(s) Missing | Income - W2(s) Missing | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| Income - Business Tax Returns | Income - Business Tax Returns | Income - Business Tax Returns | Income - Business Tax Returns | Income - Business Tax Returns | Income - Business Tax Returns | Income - Business Tax Returns | Income - Business Tax Returns | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | Income - Rental Property Income | 2 | 2 | 0 | 0 | 0 | 0 | 2 |
| Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | Liabilities - Excluded Debts | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Title Commitment - Lien Position | Title Commitment - Lien Position | Title Commitment - Lien Position | Title Commitment - Lien Position | Title Commitment - Lien Position | Title Commitment - Lien Position | Title Commitment - Lien Position | Title Commitment - Lien Position | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | Assets - Large Deposits/Unacceptable | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | Title Commitment - Missing/Incomplete | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | Appraisal - Repairs | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | Assets - Earnest Money Deposit | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | Assets - Cash to Close | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Verification Documentation - VVOE Salaried/Aged | Verification Documentation - VVOE Salaried/Aged | Verification Documentation - VVOE Salaried/Aged | Verification Documentation - VVOE Salaried/Aged | Verification Documentation - VVOE Salaried/Aged | Verification Documentation - VVOE Salaried/Aged | Verification Documentation - VVOE Salaried/Aged | Verification Documentation - VVOE Salaried/Aged | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | Borrower - Residency Alien Documentation | 1 | 0 | 1 | 0 | 0 | 0 | 1 |
| Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | Condo - Documentation | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | Income - Miscalculated/DTI Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Income - Tax Return Documentation Incomplete | Income - Tax Return Documentation Incomplete | Income - Tax Return Documentation Incomplete | Income - Tax Return Documentation Incomplete | Income - Tax Return Documentation Incomplete | Income - Tax Return Documentation Incomplete | Income - Tax Return Documentation Incomplete | Income - Tax Return Documentation Incomplete | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | Liabilities - Missing Debts/ DTI Exceeds Tolerance | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | Borrower - Identification | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | Income - Missing or Incomplete Lease Agreement | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Borrower - SS# incorrect | Borrower - SS# incorrect | Borrower - SS# incorrect | Borrower - SS# incorrect | Borrower - SS# incorrect | Borrower - SS# incorrect | Borrower - SS# incorrect | Borrower - SS# incorrect | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | Credit - OFAC Screening | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | Contract Addendum - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Condo - Liability Insurance | Condo - Liability Insurance | Condo - Liability Insurance | Condo - Liability Insurance | Condo - Liability Insurance | Condo - Liability Insurance | Condo - Liability Insurance | Condo - Liability Insurance | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | Appraisal - Borrower Info | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Income - Pay Stubs Missing | Income - Pay Stubs Missing | Income - Pay Stubs Missing | Income - Pay Stubs Missing | Income - Pay Stubs Missing | Income - Pay Stubs Missing | Income - Pay Stubs Missing | Income - Pay Stubs Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | Credit Report - Adverse Credit | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | Title Commitment - Other | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | Credit Report - Aged | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | Credit Report - Minimum Trade Lines | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Condo - HOA Dues | Condo - HOA Dues | Condo - HOA Dues | Condo - HOA Dues | Condo - HOA Dues | Condo - HOA Dues | Condo - HOA Dues | Condo - HOA Dues | 1 | 0 | 0 | 1 | 0 | 0 | 1 |
| Assets - Cash to Close - Evidence of Liquidation | Assets - Cash to Close - Evidence of Liquidation | Assets - Cash to Close - Evidence of Liquidation | Assets - Cash to Close - Evidence of Liquidation | Assets - Cash to Close - Evidence of Liquidation | Assets - Cash to Close - Evidence of Liquidation | Assets - Cash to Close - Evidence of Liquidation | Assets - Cash to Close - Evidence of Liquidation | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | Property listed for sale within 6 months of application date | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Program Parameters - Number of Units | Program Parameters - Number of Units | Program Parameters - Number of Units | Program Parameters - Number of Units | Program Parameters - Number of Units | Program Parameters - Number of Units | Program Parameters - Number of Units | Program Parameters - Number of Units | 1 | 1 | 0 | 0 | 0 | 0 | 1 |
| Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | Liabilities - Mortgage Payment History | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | Title Commitment - Incorrect | 1 | 0 | 1 | 0 | 0 | 0 | 0 |
| Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | Gift Letter - Missing | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | Valuation | 27 | 26 | 0 | 0 | 0 | 0 | 3 |
| Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | Appraisal - Value is not supported within 10% of original appraisal amount | 26 | 26 | 0 | 0 | 0 | 0 | 2 |
| Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | Appraisal - Value is supported within 10% of original appraisal amount | 1 | 0 | 0 | 0 | 0 | 0 | 1 |

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![](bar-chart.jpg)

## Exhibit 99.06

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

**Exhibit 99.06 - Schedule 2**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **DD Start Date** | **DD Delivery Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **SOL Expiration Date** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 2160466 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Mortgage Broker Fee $XXXX and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The Total Loan Amount reflected on the Note is $XXXX. Per 12 CFR 1026.43(e)(3), the applicable QM threshold is XXXX%, resulting in a maximum allowable points and fees amount of $XXXX. Total points and fees included in testing equal $XXXX (Mortgage Broker Fee $XXXX and Underwriting Fee $XXXX), which is below the allowable threshold.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> After further review, we agree with reviewer. This has been cured. Refund will be sent to borrower. Attached is PCCD, Letter to Borrower, Refund request has been submitted to our Accounting team.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> XXXX&#XXXX;s lock confirmation shows loan as Non-QM.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Per 1026.43(e)(3) and 1026.32(b)(4), the XXXX% QM points-and-fees threshold must be calculated using the total loan amount, which is defined as the Amount Financed minus any points and fees included therein. Using the note amount or unreduced Amount Financed is inconsistent with Regulation Z and overstates the permissible cap. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The loan fails the QM Points and Fees threshold, and there is no cure mechanism available for this type of tolerance violation. Accordingly, the finding will remain classified as an EV3<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Lender affirms that loan was originated as a Business Purpose Exempt loan. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160466 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file; SPL Missing. Therefore, the increase/addition to the following fees was not accepted: Title Fees. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SSPL attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Re-uploaded<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documents not received. Please resubmit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160466 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160466 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160467 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi)). A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and the note amount for a first lien is greater than or equal to ($XXXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%;. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth in XXXX (Regulation Z) 12 CFR 1026.43(e)(1)(ii) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is a Non-QM Transaction.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2160467 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains the following fee where 'compensation to' does not reflect a XXXX on the revised XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2160467 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160467 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a desk review dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2159558 | 1 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159558 | 2 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Title Fees. The violation may be cured if documentation is provided showing the disclosure was delivered timely. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159558 | 3 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159558 | 4 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | FEMA Declaration declared XX/XX/XXXX for XXXX Hurricane XXXX (DR-XXXX-XXXX) with an incident period of XX/XX/XXXX – XX/XX/XXXX which is after the original appraisal date XX/XX/XXXX. Please provide Property Inspection to confirm no damage. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | XXXX (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159558 | 5 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Flood cert attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159558 | 6 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Business Tax Returns | XXXX | Copies of signed federal business income tax returns (including all schedules) were not obtained or were not properly retained in the file. The XXXX and XXXX business tax returns that includes all schedules and K-XXXX for XXXX is required to verify the business income. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX and XXXX business tax returns attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159558 | 7 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other/Missing | XXXX | We received the XXXX XXXX tax returns however XXXX years tax returns are required to analyze the self-employment income. The XXXX personal tax returns to include all schedules is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX Personal Tax Return is attached, however it was not used for income calculation purposes per the approval document.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient.(Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159558 | 8 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented per XXXX agreement is required but missing from the loan file. The lease agreement for rental property XXXX is required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Continuance of bank statement requests and will use other categories for the remaining XXXX months bank statements. Uploads limited to XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX agrees with defect. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. (waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: Agreed upon XXXX history life of loan, current LTV is XXXX%, XXXX% DTI, $XXXX reserves, self-employed XXXX years<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159558 | 9 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Income - W2(s) Missing | XXXX | Per the underwriter approval W-XXXX income from the borrower's business was used to calculate the qualifying income. The loan file is missing the XXXX XXXX W-XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached W-XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159558 | 10 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Excluded Debts | XXXX | Liabilities listed on the credit report were excluded from the borrower's DTI due to being paid by a family member. The loan file is missing the XXXX monthly bank statements for each of the following debts: CAF #XXXX with a payment of $XXXX and CAF #XXXX with a payment of $XXXX. to support the reason for omission. Please provide XXXX monthly bank statements for each debt that supports the debts are paid by the family members. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX statements for each are included here. As this system has a max of XXXX uploads, the remainder will be uploaded to other categories in this file.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: Agreed upon XXXX history life of loan, current LTV is XXXX%, XXXX% DTI, $XXXX reserves, self-employed XXXX years<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159558 | 11 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE Self-Employed/Missing | XXXX | A VOE is missing from the loan file. The loan file is missing a Verification of Self-Employment for the borrower. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX is missing and cannot be located, so using this category to upload the remainder of the XXXX months bank statements requested to clear other item in this review.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX agrees with defect. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. (waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: Agreed upon XXXX history life of loan, current LTV is XXXX%, XXXX% DTI, $XXXX reserves, self-employed XXXX years<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159558 | 12 of 12 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159559 | 1 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159559 | 2 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Lenders Title Insurance, Settlement fee, and Title - Endorsement fee . A cost to cure in the amount of $XXXX, XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159559 | 3 of 10 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Loan Estimate/Missing | XXXX | There is no evidence of a complete Loan Estimate provided in the loan file. As a result testing for timing and tolerance could not be completed. CFPB Title XXXX, Part XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Loan Estimate attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159559 | 4 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The borrowers are purchasing a primary condo property, and the loan approval reflects their intention to sell the departure residence they currently own. The loan approval also omitted the PITI debt of $XXXX per month from the qualifying ratios with the explanation of the borrowers intent to sell or if departure doesn't sell they could rent it to cover the payment. However, the loan file does not contain either documentation supporting this statement, please provide an LOE from the borrower, a copy of a listing agreement, or lease agreement per FNMA guidelines for omission of departure PITIA. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No rebuttal is being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. (waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: As agreed pay history life of loan, current LTV is XXXX%, XXXX% DTI, $XXXX reserves, self-employed XXXX years<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159559 | 5 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The borrowers own a REO property on XXXX that did not report to the credit bureau. The loan approval reflects the property was inherited as the reason it was not reporting; however, the guidelines require a XXXX month payment history on all mortgages. The loan file did not contain documentation to verify the mortgage payments have been made on time for XXXX months as required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No rebuttal response is being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. (waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: As agreed pay history life of loan, current LTV is XXXX%, XXXX% DTI, $XXXX reserves, self-employed XXXX years<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159559 | 6 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan application reflects the borrowers own a rental property on XXXX in XXXX XXXX. The loan approval reflects that property type is a Condo; however, the loan file did not contain documentation evidencing the HOA fees associated with that property to determine the full PITIA for qualifying purposes as required per guidelines. \*\*\*Additional conditions may apply \*\*\* | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOA is reflected on Schedule E of the individual personal tax returns for the property specifically located at XXXX XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: As agreed pay history life of loan, current LTV is XXXX%, XXXX% DTI, $XXXX reserves, self-employed XXXX years<br>**  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2159559 | 7 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | FEMA Declaration declared XX/XX/XXXX for XXXX Hurricane XXXX [DR-XXXX-XXXX] with an incident period of XX/XX/XXXX-XX/XX/XXXX which is after the original appraisal date of XX/XX/XXXX . Please provide Property Inspection to confirm no damage. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> pdi uploaded<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159559 | 8 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing the XXXX hazard insurance policy on the subject property, which is a condo, with sufficient coverage/replacement cost. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159559 | 9 of 10 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Credit Score | XXXX | The borrower's credit scores are below the minimum allowable per guidelines. The subject loan is a purchase of a primary condo with a loan amount of $XXXX and a LTV of XXXX%. The Credit Report reflects the lowest middle score of both borrowers as XXXX; however, the program guidelines reflect a minimum credit score requirement of XXXX. Therefore, the subject loan is an ineligible transaction. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The approval document clearly denotes the XXXX credit score as a weakness in the Decision Factors section. This is a guideline and not a bank credit policy exception. The approving parties took note of the score and approved the loan.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> This is a guideline violation. Investor exception required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. (waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: As agreed pay history life of loan, current LTV is XXXX%, XXXX% DTI, $XXXX reserves, self-employed XXXX years<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159559 | 10 of 10 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file did not contain a CDA. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159562 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159562 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159562 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Documentation | XXXX | Loan file did not contain required condo documentation (Master Insurances including flood is applicable). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached and adding XXXX months extra bank statements that could not uploaded in another category because of XXXX item XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159562 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Miscalculated/DTI Exceeds Tolerance | XXXX | The loan approval reflects the borrower's qualifying social security income was $XXXX per month. A review of the SSI Award letter reflects monthly income of $XXXX; grossing up to $XXXX per month. Using the correctly calculated monthly income and debts results in a DTI of XXXX% which exceeds the maximum allowable of XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> No rebuttal being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding remans. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history for life of loan, current LTV of XXXX%, $XXXX reserves, self-employed XXXX years<br>**  | pay history for life of loan, current LTV of XXXX%, $XXXX reserves, self-employed XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2159562 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Tax Return Documentation Incomplete | XXXX | Tax returns for the previous two (XXXX) years (including all schedules) were not in the file. The loan application reflects the borrower is self-employed. The loan file contains XXXX XXXX schedule C. Per the lender's guidelines XXXX years of complete Personal Tax returns are required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We agree the guideline is not met, however the approval documents is specific as to how income was calculated and the proper approving parties of the bank found this to be acceptable. Only bank policy exceptions need be specified as such, not guidelines.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Additional year tax return not provided. If an exception was made for this scenario, an exception must granted by the Investor as well. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history for life of loan, current LTV of XXXX%, $XXXX reserves, self-employed XXXX years<br>**  | pay history for life of loan, current LTV of XXXX%, $XXXX reserves, self-employed XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2159562 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Excluded Debts | XXXX | The credit report reflects a XXXX-day XXXX account #XXXX with a balance of $XXXX. The loan approval indicates this account is paid for by the borrower's business and XXXX months bank statements were provided to support the omission. The loan file does not contain XXXX months to support the omission. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> All XXXX months business statements are in hand. File maximum of XXXX uploads. Will add the remaining XXXX months business bank statements to another item in this file.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159562 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Missing Debts/ DTI Exceeds Tolerance | XXXX | The loan approval reflects monthly obligations totaling $XXXX. The XXXX indicates the XXXX auto loan #XXXX with a monthly payment of $XXXX and balance of $XXXX was paid off prior to closing. The loan file does not contain any documentation to support the omission of this debt. Inclusive of this debt and using the correctly calculated monthly income results in a DTI of XXXX% which exceeds the maximum allowable of XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached Credit Supplement showing tradeline XXXX as being paid off and closed.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159562 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. File does not contain a valuation product to support the original appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159541 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159541 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: Lender's Title Policy, Recording Fees. A total cost to cure in the amount of $XXXX isrequired, of which $XXXX was cured at closing. A cost to cure in the amount of $XXXX remains. The violation may be cured if documentation is provided showing the disclosure was delivered timely. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159541 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159541 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The file contained no evidence of a properly executed sales contract for the subject transaction. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Sales contract attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159541 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | FEMA Declaration declared XX/XX/XXXX for XXXX Hurricane XXXX (DR-XXXX-XXXX) with an incident period of XX/XX/XXXX - XX/XX/XXXX which is after the original appraisal date XX/XX/XXXX. Please provide Property Inspection to confirm no damage. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> PDI received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159541 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159541 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost with the annual premium. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Hazard Insurance attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159541 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The final XXXX reflected the borrower is a Non-Permanent Resident Alien. The conditional approval reflected the borrower was a XXXX citizen. The investor guidelines reflected eligible borrowers were US Citizens or Permanent Resident Aliens. Non Permanent Resident Aliens were not listed as acceptable. In addition, the file did not contain required documentation to support the borrower's residence status. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> No rebuttal is being done.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating Factors: XXXX% DTI, XXXX% LTV, $XXXX verified reserves<br>**  | Noted Compensating Factors: XXXX% DTI, XXXX% LTV, $XXXX verified reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2159541 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. File did not contain a valuation product to support the original appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided did support the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159561 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159561 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159561 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Loan Estimate/Missing | XXXX | There is no evidence of a complete Loan Estimate provided in the loan file. As a result testing for timing and tolerance could not be completed. CFPB Title XXXX, Part XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Loan Estimate attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159561 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | Additional Finding: XX/XX/XXXX. The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: XXXX fee, XXXX fee, and XXXX. . A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159561 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The bank and/or asset statements are incomplete. The loan file contains only XXXX month of personal assets from accounts #XXXX, #XXXX, #XXXX, #XXXX, and #XXXX that were used to verify the required reserve amount. The guidelines do not reflect the acceptance of cash out proceed funds being used for reserves, but do require a full XXXX months of asset documentation, which was not contained in the loan file as required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX chose to deviate from guidelines with this file for the reasons stated in approval.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Asset strength acknowledged. Investor exception required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: Agreed upon pay history life of loan, current LTV is XXXX%, XXXX% DTI, XXXX qualifying credit score #XXXX reserves, $XXXX residual income, subject property owned XXXX years, <br>**  | pay history life of loan, current LTV is XXXX%, XXXX% DTI, XXXX qualifying credit score #XXXX reserves, $XXXX residual income, subject property owned XXXX years |  | 4 | 2 | 3 | 2 |
| XXXX | 2159561 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | FEMA Declaration declared XX/XX/XXXX for XXXX Hurricane XXXX [DR-XXXX-XXXX] with an incident period of XX/XX/XXXX-XX/XX/XXXX which is after the original appraisal date of XX/XX/XXXX . Please provide Property Inspection to confirm no damage. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159561 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Flood cert attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159561 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | The XXXX's conclusions on the adequacy and the stability of the applicant's income was not supported by documentation in the file. The origination underwriter included the AGI/Adjusted Gross Income from the borrowers XXXX Tax Returns as income used for qualifying in the amount of $XXXX/$XXXX per month; however, the guidelines require XXXX years of documentation for income qualification. The XXXX tax returns reflected the borrowers own multiple businesses that were included in the AGI on their personal returns. The loan file did not contain XXXX years personal and business tax returns with all schedules as required. \*\*\*additional conditions may apply \*\*\* | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> While respecting the opinion, the management team stands by its decision on the file. The approval document notes this borrower as a well known client; very knowledgeable on its businesses and noting the $XXXX million in liquid assets after closing.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Borrower strength acknowledged. Investor exception required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: Agreed upon pay history life of loan, current LTV is XXXX%, XXXX% DTI, XXXX qualifying credit score #XXXX reserves, $XXXX residual income, subject property owned XXXX years, <br>**  | pay history life of loan, current LTV is XXXX%, XXXX% DTI, XXXX qualifying credit score #XXXX reserves, $XXXX residual income, subject property owned XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2159561 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. The loan file did not contain a CDA. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159543 | 1 of 18 | XXXX | XXXX | XXXX | XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was not fully completed. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159543 | 2 of 18 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159543 | 3 of 18 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | This loan failed the charges that in total cannot increase more than XXXX% test. (12 CFR §1026.19(e)(3)(ii)). Because the Service Provider List was not provided to the consumers, the title services fees were tested under XXXX% tolerance. Therefore, the increases to the following fees were not accepted: Title - Lender's Title Policy, Title - ALTA and Recording fees on the revised CD issued on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159543 | 4 of 18 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non-Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumers' E-consents are required. (12 CFR §1026.19(f)(1)(ii)) The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159543 | 5 of 18 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The loan failed the Initial Loan Estimate delivery date test (from application). (12 CFR §1026.19(e)(1)(iii)(A)). There is no evidence of a loan application date provided in the loan file. Unable to determine if the initial LE issued on XX/XX/XXXX was disclosed within XXXX business days of the application date. Truth in XXXX (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A) The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159543 | 6 of 18 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)). A valid change of circumstance was not provided in the loan file. Therefore, the addition of the following fee was not accepted: Origination fee on the revised CD issued on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer, PCCD, copy of the refund and proof of delivery. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159543 | 7 of 18 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | The appraisal was completed "subjected to completion". The required XXXXd was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXXD attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159543 | 8 of 18 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The file contained no evidence of a properly executed sales contract to support the purchase price of $XXXX and interested party contributions in the amount of $XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Sales contract and incentive addendum attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159543 | 9 of 18 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | Borrower's credit report had a charged off account with XXXX with an outstanding balance of $XXXX. Investor guidelines required accounts greater than $XXXX must be satisfied prior to or at closing. File did not contain evidence of payoff of this account. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No rebuttal being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. (waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, current LTV is XXXX%, XXXX% DTI, XXXX qualifying credit score, job stability XXXX years<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159543 | 10 of 18 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The borrower owns an additional rental property located on XXXX. The mortgage was on the origination credit; however, the mortgage statement was not provided to support payment included the taxes and insurance on the property. Mortgage statement, tax bill and insurance dec page with premium are required to support the rental property debt. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No rebuttal being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. (waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, current LTV is XXXX%, XXXX% DTI, XXXX qualifying credit score, job stability XXXX years<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159543 | 11 of 18 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | FEMA disaster declared on XX/XX/XXXX for XXXX Hurricane XXXX (DR-XXXX-XXXX) with an incident period of XX/XX/XXXX - XX/XX/XXXX which is after the appraisal date of XX/XX/XXXX. Please provide property inspection to confirm no damage. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Duplicate of already stated Finding.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2159543 | 12 of 18 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | FEMA disaster declared on XX/XX/XXXX for XXXX Hurricane XXXX (DR-XXXX-XXXX) with an incident period of XX/XX/XXXX - XX/XX/XXXX which is after the note date of XX/XX/XXXX. Please provide property inspection to confirm no damage. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> PDI report<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159543 | 13 of 18 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing for the subject property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Flood cert attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159543 | 14 of 18 | XXXX | XXXX | XXXX | XXXX | Credit | Gift Letter - No Evidence of Funds | XXXX | A portion of the borrower's funds for closing and reserves were from a gift from the borrower's spouse in the amount of $XXXX. XXXX letter was provided. Investor guidelines required proof of receipt of gift to either the borrower or proof of wired funds directly to the closing agent. XXXX was not reflected on the final closing statement. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No rebuttal being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. (waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, current LTV is XXXX%, XXXX% DTI, XXXX qualifying credit score, job stability XXXX years<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159543 | 15 of 18 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost, and all perils coverage. . | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Hazard Insurance attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159543 | 16 of 18 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | Borrower is currently employed with XXXX since XX/XX/XXXX. Qualifying income was sourced as all commission income. Current employer commission is paid on a XXXX basis with XXXX XXXX provided and one current paystub reflecting non-taxed commission. The required XXXX tax returns were not provided to support the income. Lender approval indicated prior employment with XXXX was paid on all commission basis on a XXXX basis. Investor approval indicated XXXX and XXXX W2s were provided to support borrower's all commission income, XXXX XXXXs and prior XXXX years of XXXX's were not provided as required to support the borrower's income. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No rebuttal being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elect to waive. (waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, current LTV is XXXX%, XXXX% DTI, XXXX qualifying credit score, job stability XXXX years<br>**  |  |  | 4 | 2 | 3 | 2 |
| XXXX | 2159543 | 17 of 18 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property Income | XXXX | The borrower owns a rental property located on XXXX. The loan approval indicated a lease with a rental income of $XXXX and bank statements to support rental income being deposited into borrower's account. Required documentation was not provided. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No rebuttal being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. (waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, current LTV is XXXX%, XXXX% DTI, XXXX qualifying credit score, job stability XXXX years<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159543 | 18 of 18 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2163597 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $35 Tolerance Threshold/Rescindable | XXXX | The loan failed the Rescission Finance Charge tolerance test. Per the special foreclosure rule under Regulation Z, for loans subject to the right of rescission the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX, which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The following fees were included in the Finance Charge calculation: Points - Loan Discount Fee: $XXXX, Flood Certification: $XXXX, Prepaid Interest: $XXXX, Processing Fee: $XXXX, Recording Service Fee: $XXXX, Settlement Fee: $XXXX, Escrow Fee: $XXXX, XXXX: $XXXX, Overnight Fee: $XXXX, Title-Tax Report: $XXXX, Underwriting: $XXXX, A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. Additionally, rescission needs to be re-opened. Truth in XXXX (Regulation Z)12 CFR 1026.23(h)(2)(i) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please confirm the cure amount. The $XXXX was under section C and allowed a XXXX% tolerance or $XXXX or a difference of $XXXX ($XXXX - $XXXX). Additionally, please confirm if RTC needs to be reopened. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> RTC signed <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The Cost to Cure is $XXXXandd rescission needs to be re-opened on all rescindable transactions. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2163597 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI dec page <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> please consider the website listing the coverage; <br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> XXXX website, see page XXXX, list of losses not covered, which did not reflect any of the perils required by FNMA<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Processor cert; HOI email for contact info and XXXX email confirming acceptance<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All perils are not referenced. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Explosion, riot, civil commotion, and vandalism are not referenced. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Please provide email from agent stating All Perils are covered. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> XXXX emails received. Neither confirm All Peril from the Agent. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2163597 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155625 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155625 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155625 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142215 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142215 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The address on the appraisal does not match with the subject property address on the other loan docs. The appraisal includes a unit number not indicated on any other loan docs and also lists the city as XXXX as opposed to XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see corrected appraisal report <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached appraisal with corrected address<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142215 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163604 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Points $XXXX, Processing Fee $XXXX, Rate Lock Fee $XXXX and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see XXXX and encompass screenshot that reflected discount points lowering the origination charge <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The undiscounted rate provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163604 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file does not contain a soft credit pull dated within XXXX calendar days of the funding or documentation supporting undisclosed monitoring through the funding date as required per guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163604 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI dec page with perils<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163604 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163599 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Rate Lock extension fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see lock form that reflected an expiring lock on XX/XX/XXXX; and borrower extended the lock until XX/XX/XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> please see the provided screenshots reflecting the lock extension and the COC for the lock. Borrower acknowledged. <br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> XX/XX/XXXX CD with the rate lock and confirmation borrower reviewed the CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The COC dated XX/XX/XXXX has a valid reason for the addition of a Rate Lock Extension. However, the Fee was not disclosed until the CD issued on XX/XX/XXXX and is not within XXXX days of the change. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. While the lock extension on XX/XX/XXXX supports a valid reason for the fee increase, the loan file does not contain a corresponding CD issued within XXXX business days reflecting this change. The earliest CD in the file with the increase to the fee is dated XX/XX/XXXX, which is outside the required timeframe. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163599 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The loan file requires a total of $XXXX in funds to close ($XXXX in cash to close plus and additional $XXXX in reserves). The loan file contains $XXXX in acceptable asset documentation and is short $XXXX. The loan file includes a cashiers check for the earnest money deposit for $XXXX,XXXX which was not included in the funds to close as the funds are not sufficiently sourced (the LOE in the loan file indicates this was from cash around the house). | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please clarify; the loan file pg XXXX acct ending in XXXX reflected $XXXX and pg XXXX acct ending in XXXX reflected $XXXX or a total of $XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163599 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file contains an expired debt monitoring dated within XXXX calendar days of funding. The most recent credit report was pulled XX/XX/XXXX with a note date of XX/XX/XXXX (XXXX days). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LQM report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163599 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155623 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | XXXX | The loan failed the charges that cannot increase test. Although the addition/increase may be valid, because a COC was not provided, auditor is unable to determine if the revised Loan Estimate/CD issued on XX/XX/XXXX6 was disclosed within XXXX business days of the change. Therefore, the increase/addition to the following fees was not accepted: Appraisal fee $XXXX, and credit report $XXXX. Because the change occurred on XX/XX/XXXX and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: XXXX and credit report fees. A cost to cure in the amount of $XXXX is required If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PCCD for XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2155623 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The appraisal indicates the subject property is rural. Investor guidelines state rural properties as an unacceptable property type. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX exception for the rural property<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX% DTI. |  | 3 | 2 | 3 | 2 |
| XXXX | 2155623 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163598 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds XXXX percent of the total loan amount of $XXXX. The following fees were included in the testing: Points-Loan Discount Fee, Processing Fee, and XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See upload<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See rebuttal<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Please correct loan designation to Non-QM as loan was designated QM in error. Please see lock showing Non-QM<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Attestation stating the loan was originated as Non QM has been provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The explanation provided is not sufficient to cure the finding. The QM Points and Fees testing threshold is not determined by the total loan amount but based on the amount financed. The total loan amount is $XXXX. The amount financed is $XXXX, XXXX. If any of the Points are Bona Fide. provide the Undiscounted Rate for testing. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Business purpose loans are exempt from QM butinvestments still fall under the qualified mortgage rule. Per client directionall loans were originated as qualified mortgages and not considered businesspurpose, therefore it was treated as a TRID loan and not business purposeexempt. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The attestation provided is sufficient to clear the exception. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163598 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The loan file is missing a soft credit pull dated within XXXX calendars days of funding or undisclosed debt monitoring provided with the closed loan [package as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See page XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see LOX with UDM and supporting documents. New debt was obtained and added. Borrower is receiving SSI income that was not being used. See proof of income. XXXX most receipt bank statements support receipt. See XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Page XXXX of the guide requires a soft pull within XXXX days. The routine UDD disclosure does not cure. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163598 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | The loan file is missing documentation supporting the borrowers percentage ownership in the business of the bank statements used to qualify as required per investor guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See page XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163598 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155626 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155626 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The loan file is missing a soft pull credit report dated within XXXX calendar days of the funding or an undisclosed debt monitoring through the funding date as required per investor guidelines. The credit report in the loan file is dated XX/XX/XXXX with a note date of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> debt monitoring report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155626 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155624 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155624 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Investor guidelines require a soft pull credit report dated within XXXX calendar days of the funding or undisclosed monitoring through the funding date. The loan file contains a full credit report dated XX/XX/XXXX an credit supplement with mortgages not originally appearing on the initial credit report sated XX/XX/XXXX and a note date of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached LDQM report dated XXXX/XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> can you please clarify the "new mortgages prior to the subject Note"? I do not see any opened in XXXX on the credit report. thanks!<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please address the new mortgages prior to the subject Note. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Please disregard. All mortgages on both original credit and supplement included in DTI calculation. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155624 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing documentation supporting the monthly HOA payment for XXXX. The letter of explanation in the loan file indicates insurance is included in the HOA payment however documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached bank statement with hoa dues being paid. this is also page XXXX of XXXX of the file upload<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155624 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165552 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165552 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165552 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155622 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Rate Lock Extension. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> rate lock with COC and CD support<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155622 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The bank statements are incomplete. XXXX months consecutive bank statements are required; however, the April XXXX statement is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX/XXXX statement <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2155622 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The letter of explanation for recent inquiries from the borrower indicated a new car loan with XXXX which was included in the debt calculation according to the loan application; however, evidence of verification of the debt was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX note <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> uploaded XXXX note <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155622 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Dec page <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155622 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163602 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163602 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> All perils email from HOI agent.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163602 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other/Missing | XXXX | The loan file income is from XXXX months bank statements. The loan file includes a bank statement calculation worksheet indicating XX/XX/XXXX income however the loan file does not contain the corresponding bank statement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See Upload<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163602 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The subject loan LTV of XXXX% exceeds investor guidelines of XXXX% for a Bank Statement Cash-out refinance transaction with a FICO over XXXX and a loan amount under $XXXX on a primary residence. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive. The guidelines states minimum XXXX Fico Score or higher with loan amount up to XXXX is XXXX of XXXX%. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation and documentation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163602 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163600 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163600 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | Investor guidelines require a soft pull dated within XXXX calendar days of funding ort undisclosed debt monitoring through the finding date. The loan file contains a credit report dated XX/XX/XXXX with a note date of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached XXXX report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 1 | 1 |
| XXXX | 2163600 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The subject loan LTV of XXXX% exceeds investor guidelines of XXXX% for a FICO score over XXXX and a loan amount below $XXXX for a XXXX income calculation. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached investor memo, per guides LTV can go up to XXXX% when FICO is > XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation and documentation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163600 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163601 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording fee. A cost to cure in the amount of $XXXX is required, as $XXXX has been cured. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached investor memo regarding the intangible taxes<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163601 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | The loan file requires $XXXX in verified funds ($XXXX in funds to close plus $XXXX XXXX months reserves). The loan file contains $XXXX in verified assets and is short $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached addt&#XXXX;l asset statement from investment account<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163601 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Investor guidelines require a soft credit report pull within XXXX calendar days of funding or undisclosed debt monitoring through funding date. The credit report is dated XX/XX/XXXX with a note date of XX/XX/XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see page XXXX of loan file uploaded for LQCC Gap report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163601 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163605 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163605 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file is missing documentation supporting the monthly HOA payment for XXXX. S. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached proof of $XXXX HOA dues for reo XXXX <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163605 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163603 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163603 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163603 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2164867 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the Loan Agreement is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Loan Agreement is not applicable here. Please remove this finding. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> The paragraph doesn&#XXXX;t say there is a Loan Agreement. It can be interpreted to mean that if the borrower violates any terms in any doc (including a Loan Agreement if any).<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. If the Note references a Loan Agreement, then XXXX is considered to be part of the Note and not complete until executed by all parties. PG. XXXX section F of the Note references the loan agreement. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164867 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. Page XXXX and page XXXX of the XXXX has different loan amounts when compared to the Note and Settlement Statement. Page XXXX of the XXXX list loan amounts of $XXXX and a loan amount of $XXXX which differs from loan amount on Note and Settlement Statement of $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the Correct Security Instrument attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164867 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Per the lender's guidelines XXXX will determine individual property values for any collateral being pledged as part of the loan request through independent valuations completed by a preferred XXXX. Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164867 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the lender's guidelines open Judgements, Liens (non-federal tax) and collections/charge-offs not on title totaling more than $XXXX must be paid in full at closing. A review of the background check reflects a state tax warrant for $XXXX. A review of the HUD-XXXX does not reflect this was paid off as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached satisfied judgment<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164867 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155653 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155653 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155653 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155651 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155651 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155651 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155652 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2155652 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The Mortgagee Clause on the hazard insurance policy is incorrect. Mortgagee Clause should read XXXX/ATIMA, XXXX, XXXX, XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> here you go <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155652 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155654 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155654 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155654 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161441 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161441 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161441 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161442 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161442 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161442 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165380 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within XXXX business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165380 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2165380 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Per Lender's guides, the age of loan documentation is to be no more than XXXX days from the note date. The borrower's background report is dated XX/XX/XXXX. The note is dated XX/XX/XXXX, which is more than XXXX days as required. A more recent background report for the borrower is not contained in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2165380 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160569 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160569 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per Lender's guides, a background check is required for the borrowers and entity. However, the loan file does not contain background checks for the borrower, co-borrower and entity as required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached. no background report for the entity could be generated<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide background check for XXXX and No-Hit results for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Apologies. Only No-Hit results for Entity is required. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted Compensating factors: Experienced Investor, XXXX qualifying credit score, $XXXX verified reserves, XXXX% LTV<br>**  | Experienced Investor, XXXX qualifying credit score, $XXXX verified reserves, XXXX% LTV |  | 3 | 2 | 3 | 2 |
| XXXX | 2160569 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per Lender's guides, an original purchase settlement statement (for refinances) and mortgage payoff, is required to be contained in the loan file. The loan file contained a mortgage payoff that encompasses multiple units and properties with a payoff balance of $XXXX. The loan file does not contain a partial release of XXXX or documentation evidencing the subject loan pays the subject property, being only unit #XXXX, off in full as required to provide 1st XXXX position for the subject loan. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The payoff covers XXXX units across XXXX different loans. The original purchase was for vacant land and XXXX townhome style condos were built. Total payoff across the XXXX loans was $XXXX. The original address of the original parcel was XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide all XXXX HUDs. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted Compensating factors: Experienced Investor, XXXX qualifying credit score, $XXXX verified reserves, XXXX% LTV<br>**  | Experienced Investor, XXXX qualifying credit score, $XXXX verified reserves, XXXX% LTV |  | 3 | 2 | 3 | 2 |
| XXXX | 2160569 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160586 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160586 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file obtains the master blanket HOI policy for all properties owned by the borrowers. However, the loan file does not contain a declaration page verifying XXXX #XXXX, has proper coverage as required per Lender's guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The policies cover the entirety of each building as a whole including walls in as the borrower owns the whole building.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> these all fall under the same blanket policy please waive this. <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> XXXX attached confirming walls in coverage<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide evidence of wall-in coverage. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The policy does not state "walls-in" or "all-in" coverage. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Unable to clear without "walls-in" coverage reflected on the policy or confirmed by the Insurance Carrier. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Please provide an email from the insurer confirming walls-in coverage. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> please see email confirmation<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160586 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Per Lender's guides, a mortgage payoff is required to be obtained when the transaction is a cash-out refinance. The loan file contains a blanket mortgage payoff in the of $XXXX. However, the loan file does not contain a mortgage payoff reflecting the amount of $XXXX, for the subject property as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> payoff letter attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160586 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Currently Listed for Sale | XXXX | The property is currently listed for sale on XX/XX/XXXX for $XXXX per the appraisal dated XX/XX/XXXX. However, the loan file does not obtain evidence that the listing was canceled or withdrawn. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> listing was removed in November.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160586 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142230 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The vested Interest on the Security Instrument is inconsistent with Title. The Entity listed on the Security Instrument is not the same Entity reflected as current vested on XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2142230 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - SS# incorrect | XXXX | The file contains evidence the borrower and co-borrower's Social Security numbers were invalid or did not match other file documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2142230 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan is a cash out refinance of an investment condo with a Note date of XX/XX/XXXX. The condo complex was completed in XXXX, and qualifies as a Non Warrantable condo, with the HOA being under the developers control. The loan file did not contain the Master Condo Agreement as required per the guidelines for Non Warrantable Condos. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please reference file XXXX. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide master agreement. Each file stands alone. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Confirmation of walls-in coverage received and master policy in file. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2142230 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan is a cash out refinance of an investment condo with vesting as an XXXX. The Operating Agreement ownership breakdown for the XXXX reflects XXXX other businesses as partial owners. The loan file did contain corporate documentation on all businesses; however, the loan file did not contain Lender Approval to multiple layering of entities as required per the guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please reference file XXXX. They are identical loans. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide approval for layering. Each file stands alone. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted Compensating Factors: XXXX qualifying credit score, $XXXX reserves, XXXX% LTV<br>**  | XXXX qualifying credit score, $XXXX reserves, XXXX% LTV |  | 3 | 2 | 3 | 2 |
| XXXX | 2142230 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for lien position. The loan file is a cash out refinance of an investment condo Unit #XXXX, with a loan amount of $XXXX. The loan file contained a Payoff that encompasses multiple units and properties with a payoff balance of $XXXX. The loan file did not contain a Partial Release of XXXX or documentation evidencing the subject loan pays the subject property, being only Unit #XXXX, off in full as required to provide 1st XXXX position for the subject loan. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> payoff letter attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide partial release. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted Compensating Factors: XXXX qualifying credit score, $XXXX reserves, XXXX% LTV<br>**  | XXXX qualifying credit score, $XXXX reserves, XXXX% LTV |  | 3 | 2 | 3 | 2 |
| XXXX | 2142230 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2142229 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The vested Interest on the Security Instrument is inconsistent with Title. The Entity listed on the Security Instrument is not the same Entity reflected as current vested on XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142229 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. A blanket insurance policy was present in the loan file for the subject condominium project; however, a hazard insurance policy on the subject property unit individually with specific coverage amounts and premium amount for the subject property only was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> there is no individual walls in policy this policy covers all units. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide the individual unit walls-in policy. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Unable to clear. This is a condo. Confirmation of Walls-In coverage is required. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> please see email confirmation. <br>XXXX (XX/XX/XXXX XX:XXAM)<br> email confirmation<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142229 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Currently Listed for Sale | XXXX | The property is currently listed for sale on XX/XX/XXXX for $XXXX according to the appraisal; however, evidence listing has been canceled/withdrawn was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Listing was removed. Unit is currently actively listed for rent URL below. XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide the printed internet page. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142229 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142226 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The vested Interest on the Security Instrument is inconsistent with Title. The Entity listed on the Security Instrument is not the same Entity reflected as current vested on XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2142226 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Borrower, Co-Borrower, or the Business passed the OFAC screening process as required for loans closing in the name of a XXXX per the guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> OFAC is included in XXXX report. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing OFAC for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> XXXX is not listed aa a Loan Participant in any of the OFAC check sections. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, $XXXX reserves, Experienced Investor<br>**  | XXXX qualifying credit score, $XXXX reserves, Experienced Investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2142226 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan is a cash out refinance of an investment condo with a Note date of XX/XX/XXXX. The condo complex was completed in XXXX, and qualifies as a Non Warrantable condo, with the HOA being under the developers control. The loan file did not contain the Master Condo Agreement as required per the guidelines for Non Warrantable Condos. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide Master Agreement. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Walls-In confirmation received and master policy in file. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2142226 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan is a cash out refinance of an investment condo with vesting as an XXXX. The Operating Agreement ownership breakdown for the XXXX reflects XXXX other businesses as partial owners. The loan file did contain corporate documentation on all businesses; however, the loan file did not contain Lender Approval to multiple layering of entities as required per the guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This file is written to guides, please reference file XXXX, waive this condition. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide layering approval. Each file stands on its own. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, $XXXX reserves, Experienced Investor<br>**  | XXXX qualifying credit score, $XXXX reserves, Experienced Investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2142226 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for lien position. The subject loan does not meet Program Parameters for lien position. The loan file is a cash out refinance of an investment condo Unit #XXXX, with a loan amount of $XXXX. The loan file contained a Payoff that encompasses multiple units and properties with a payoff balance of $XXXX. The loan file did not contain a Partial Release of XXXX or documentation evidencing the subject loan pays the subject property, being only Unit #XXXX, off in full as required to provide 1st XXXX position for the subject loan. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This file is identical to file XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide partial release, Each file stands on its own. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, $XXXX reserves, Experienced Investor<br>**  | XXXX qualifying credit score, $XXXX reserves, Experienced Investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2142226 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160584 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160584 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file obtains the master blanket HOI policy for all properties owned by the borrowers. However, the loan file does not contain a declaration page verifying XXXX #XXXX, has proper coverage as required per Lender's guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> master policy attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The policies cover the entirety of each building as a whole including walls in as the borrower owns the whole building.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> these all fall under the same blanket policy please waive this. <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> see attached confirming walls in coverage<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide evidence of walls-in coverage. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The policy does not state "walls-in" or "all-in" coverage. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Unable to clear without "walls-in" coverage reflected on the policy or confirmed by the Insurance Carrier. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Please provide an email from the XXXX confirming Walls-In coverage. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> see email of wall to wall coverage<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160584 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Per Lender's guides, a mortgage payoff is required to be obtained when the transaction is a cash-out refinance. The loan file contains a blanket mortgage payoff in the of $XXXX. However, the loan file does not contain a mortgage payoff reflecting the amount of $XXXX, for the subject property as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> letter attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160584 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Currently Listed for Sale | XXXX | The property is currently listed for sale on XX/XX/XXXX for $XXXX per the appraisal dated XX/XX/XXXX. However, the loan file does not obtain evidence that the listing was canceled or withdrawn. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> listing was removed in November.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160584 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160585 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160585 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file obtains the master blanket HOI policy for all properties owned by the borrowers. However, the loan file does not contain a declaration page verifying XXXX #XXXX, has proper coverage as required per Lender's guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The policies cover the entirety of each building as a whole including walls in as the borrower owns the whole building.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> these all fall under the same blanket policy please waive this. <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> See attached confirming walls in coverage<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide evidence of walls-in coverage. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The policy does not state "walls-in" or "all-in" coverage. (Upheld"<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Unable to clear without "walls-in" coverage reflected on the policy or confirmed by the Insurance Carrier. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Please provide email from XXXX confirming walls-in coverage. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> please see confirmation<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160585 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Per Lender's guides, a mortgage payoff is required to be obtained when the transaction is a cash-out refinance. The loan file contains a blanket mortgage payoff in the of $XXXX. However, the loan file does not contain a mortgage payoff reflecting the amount of $XXXX, for the subject property as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> payoff attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160585 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Currently Listed for Sale | XXXX | The property is currently listed for sale on XX/XX/XXXX for $XXXX per the appraisal dated XX/XX/XXXX. However, the loan file does not obtain evidence that the listing was canceled or withdrawn. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> listing was removed in November. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160585 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160583 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing page XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160583 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page XXXX is missing from the mortgage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160583 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file obtains the master blanket HOI policy for all properties owned by the borrowers. However, the loan file does not contain a declaration page verifying XXXX #XXXX, has proper coverage as required per Lender's guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The policies cover the entirety of each building as a whole including walls in as the borrower owns the whole building.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> these all fall under the same blanket policy please waive this. <br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> see attached confirming walls in coverage<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide evidence of walls-in coverage. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The policy does not state "walls-in" or "all-in" coverage. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Unable to clear without "walls-in" coverage reflected on the policy or confirmed by the Insurance Carrier. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Please provide email from XXXX confirming walls-in coverage. (XXXX)<br>Response 5 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> please see email confirmation of wall to wall coverage<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160583 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Per Lender's guides, a mortgage payoff is required to be obtained when the transaction is a cash-out refinance. The loan file contains a blanket mortgage payoff in the of $XXXX. However, the loan file does not contain a mortgage payoff reflecting the amount for the subject property as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160583 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Currently Listed for Sale | XXXX | The property is currently listed for sale on XX/XX/XXXX for $XXXX per the appraisal dated XX/XX/XXXX. However, the loan file does not obtain evidence that the listing was canceled or withdrawn. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> all listings where removed in XXXX. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160583 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165391 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165391 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per Lender's guides, a background check is required for all sponsor(s) and entity. The loan file is missing a background check for the entity as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached entity background report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165391 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Per Lender's guides, the original purchase settlement statement is required for refinance transactions. The loan file closed as a rate and term refinance; therefore, the original purchase settlement statement should have been provided; however, the loan file is missing the settlement statement as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Property purchased in October of XXXX which would have been past the XXXX month seasoning requirement, so no original HUD needed<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Original purchase XX/XX/XXXX. New loan XX/XX/XXXX, which is just under XXXX months. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165391 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165389 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165389 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Per Lender's guides, a credit report is required for all borrower(s)/sponsor(s). However, the loan file is missing a credit report for the borrower as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached Credit report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165389 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per Lender's guides, a background check is required for all sponsor(s) and entity. The loan file is missing a background check for the entity as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached entity background report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165389 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per Lender's guides, a property report is required on the subject property. However, the loan file is missing the property report as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached property report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165389 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached application<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165389 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165384 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165384 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Aged | XXXX | The borrower has multiple loans. Per guides, a hard pull is required for new sponsors upon first loan submission. All subsequent loans require a soft pull dated within XXXX days of loan closing. The file contains a Credit Report, dated XX/XX/XXXX. The subject loan closed XX/XX/XXXX. The file is missing the soft pull report with XXXX days of closing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Updated soft pull attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165384 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165381 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165381 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The total funds for closing including the EMD was $XXXX plus required reserves in the amount of $XXXX for a total required funds of $XXXX. The file contained XXXX months of bank statements for XXXX accounts # XXXX and #XXXX. A printout was also provided with updated balances for both accounts. The printout did not provided a date or listing of transactions to support the higher balance in account # XXXX or the lower balance of account #XXXX. Assets could not be fully verified. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> the plan the entire time was for the borrower to liquidate a portion of the previously provided investment accounts. Attached acct balance and CSV for the XXXX account liquidation attached. Borrower total liquidity is north of $XXXX at the time of closing<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Document provided is not sufficient. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165381 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The file contained no evidence of a properly executed sales contract. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> sales contract attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165381 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The origination credit for the borrower was not provided as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> credit report attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165381 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The subject closed in the name of XXXX. The investor guidelines required the Operating Agreement to support ownership interest in the XXXX and proof of the EIN number for the Entity. Required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> OA attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165381 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165383 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: Final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165383 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | The loan file does not contain a HUD as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165383 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165386 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165386 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Per Lender's guides, credit report is required. However, the loan file is missing a credit report for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Credit report attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165386 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per Lender's guides, a background check is required on primary sponsor and entity. The loan file is missing a background check for the entity as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached. additionally, see credit report attached as well as it did not upload on the above rebuttal<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165386 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Application attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165386 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165385 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165385 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165385 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165390 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165390 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The co-borrower's credit report is missing from the loan file as required per Lender's guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached credit reports for both guarantors.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165390 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per Lender's guides, a background check is required on primary sponsor(s) and entity. The loan file does not contain a background check for the entity as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached updated background report for the borrowing entity<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165390 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | Per Lender's guides, a loan application is required to be obtained in the loan file fully executed by all sponsors. However, the loan file does not contain a fully executed loan application as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached fully executed application<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165390 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165387 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165387 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan closed in the name of an XXXX; however, the loan file does not contain documentation to validate the IRS/EIN for the business reflected on the Note as required per the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> EIN attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> please see attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165387 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan is a cash out refinance of an investment property that closed in the name of an XXXX; however, the loan file does not contain a Final Loan Application for the primary guarantor as required per the guidelines when vesting in an XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> signed application attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165387 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan is a cash out refinance of an investment property; however, the loan file does not contain a copy of the original HUD1 from the purchase as required per the guidelines. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> chain of title reflects the entity has owned the property since XX/XX/XXXX. This is well outside of any seasoning requirements. Therefore, original purchase HUD is not needed<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165387 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Flood cert attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165387 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165388 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165388 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Per Lender's guides, a credit report is required for all borrower(s)/sponsor(s). However, the loan file is missing a credit report for the borrower as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached CR<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165388 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per Lender's guides, a background check is required for all sponsor(s) and entity. The loan file is missing a background check for the entity as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached background report for the entity<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165388 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> see attached application<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165388 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165402 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2165402 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165402 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163745 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163745 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163745 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163756 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Late Fees Test | XXXX | This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% late fee, the loan has a XXXX% late fee. The loan fails the late fees test by XXXX%. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2163756 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163756 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165397 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165397 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165397 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163748 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2163748 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163748 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165393 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX-year fixed Close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2165393 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165393 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2160045 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160045 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160045 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165394 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165394 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165394 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152657 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2152657 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy that reflected acceptable liability coverages on the subject property per the guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> EOI showing the required liability insurance attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2152657 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165399 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Page XXXX of XXXX indicates the notary acknowledgment is attached; however, the XXXX acknowledgment is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> The notary acknowledgement is on page XXXX of the attached Note.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165399 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with Title. The Security Instrument reflects the Vested Interest as an XXXX; however, Title reflects the current Vested Interest as Individuals. An executed transfer deed for the change in vesting was not found in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Transfer deed attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165399 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165399 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163747 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2163747 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163747 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165395 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX-year fixed Close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2165395 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165395 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165396 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX-year fixed Close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2165396 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165396 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2160043 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160043 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160043 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165401 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2165401 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165401 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which supports the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158145 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158145 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158145 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165400 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2165400 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165400 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158143 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158143 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158143 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165392 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2165392 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165392 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2160046 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2160046 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2160046 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163746 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163746 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163746 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160044 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. Page XXXX of the XXXX does not reflect the complete company name. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Recorded mortgage had language attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160044 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160044 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158147 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX-year fixed Close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2158147 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158147 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163751 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163751 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163751 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163750 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163750 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The operating agreement for the borrowing entity XXXX is missing from the loan file. Further, evidence of the XXXX members percentage of membership is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Operating agreement attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163750 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163749 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163749 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163749 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165403 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165403 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165403 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163752 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2163752 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163752 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163753 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2163753 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163753 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163755 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163755 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163755 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163754 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163754 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163754 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165404 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2165404 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165404 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165398 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2165398 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The Bylaws for the borrowing entity XXXX are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX of XXXX attached. Amended ownership confirmation attached showing XXXX with XXXX% ownership and XXXX with XXXX%.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2165398 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161449 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161449 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. After review of the appraisal it appears that XXXX windows are XXXXrded up on the subject property which is a safety issue. No comment by the appraiser regarding the XXXXrded up windows. Repair required for safety reasons. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Borrower had repaired the windows - there are no longer windows, but they professionally covered them up using siding on the outside. Please see attached sitewire photos confirming this was done, please clear.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161449 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The XXXX for the borrowing entity, XXXX, reflects the status an Not in Good Standing as of XX/XX/XXXX. If accurate, XXXX would be ineligible. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached - entity is active.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161449 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient rent loss coverage. Guidelines require rent loss coverage equaling the lesser of XXXX months of market rent or XXXX% of the dwelling coverage amount and the policy is missing this coverage. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached - rental loss coverage is included.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161449 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage history in the loan file was incomplete or missing. The file is missing the payment history for XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached VOM.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161449 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. Guidelines require copy of leases if property is currently rented. The subject is a XXXX unit property and the appraisal reflects both units are tenant occupied and provided lease information. The file contained one lease verifying rent of $XXXX; however, the second lease is missing. It appears as if the leases were used to calculate the DSCR in the amount of $XXXX per the data tape (rent schedule indicates $XXXX). Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached revised appraisal report - one unit is now vacant while other is occupied. Lease agreement for the occupied unit is attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161449 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain a CDA, XXXX, or AVM by XXXX to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXXn attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163917 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163917 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The borrower is required to verify $XXXX in reserves. The Final HUD reflects cash to borrower of $XXXX and the bank statement provided for the Entity reflects a negative balance of - XXXX; therefore, the borrower is short $XXXX in verified reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached VOD dated XX.XX.XXXX with account balance of $XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163917 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Alerts | XXXX | The credit report contain a fraud alert which have not been adequately addressed in the loan file. The fraud alert is to be maintained for XXXX year beginning XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached processor cert confirming we followed directions of the fraud alert and spoke directly with the borrower at the phone number provided in the credit report fraud alert section. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> See attached certificate with processor stating they called the borrower to confirm it was him requesting a loan with XXXX. Please clear.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163917 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. XXXX for the borrower reflected multiple felonies and convictions in the criminal section. Guidelines are vague as to age of event or what is considered a serious criminal charge. Review of XXXX should be conducted to determine acceptability. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Review of background search has been conducted and received internal approval to move forward. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see UW explanation on background report - these crimes were < XXXX years ago and none were as noted on the guidelines. Please reconsider and clear.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> This scenario sounds like something that should be presented to the Investor for an exception. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163917 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The file contains an Insurance Proposal and not the final, complete policy with all required information per guidelines. Additional conditions may apply after receipt and review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached EOI and other supporting documents.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163917 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage history in the loan file was incomplete or missing. The file is missing the VOM for the mortgage being paid off with the subject transaction. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached VOM<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163917 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file dated XX/XX/XXXX supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161453 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional XXXX. Missing the following Business purpose documentation: Declaration of Non-Owner Occupancy, Certificate of Business and/or Commercial Purpose XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161453 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, XXXX, XXXX, QM XXXX, XXXX, XXXX, RESPA XXXX review, and final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161453 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Riders are missing: XXXX-XXXX Family Rider, Prepayment Rider, Business Loan Rider, SFR Entity Borrower Rider, Business Purpose and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached rider docs.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161453 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The borrower was required to evidence XXXX months reserves, which is the equivalent of $XXXX in reserves. This is in addition to the requirement of any funds to close. The final HUD is missing from the loan file. The loan file only contained evidence of $XXXX in assets in a business account in the name of XXXX. Access would also be needed for this account. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Bank account is in an XXXX name - XXXX. Both borrower and XXXX have interest in the XXXX and therefore would have access to those funds. See attached corresponding docs, including full bank statement showing it is the entity name on the account instead of XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161453 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The final HUD is not present in the loan file. A preliminary HUD dated XX/XX/XXXX reflecting an incorrect loan amount, no evidence of escrow for taxes and insurance as required, missing closing costs and mortgage payoff amount. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161453 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines a personal guaranty is required. The loan file is missing the Guaranty Agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161453 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2143111 | 1 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional XXXX. Missing the following Business purpose documentation: Evidence XXXX will not occupy the property, Documentation that the loan is being made for Business Purposes. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2143111 | 2 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, XXXX, XXXX, QM XXXX, XXXX, XXXX, RESPA XXXX review, and final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a). | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2143111 | 3 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2143111 | 4 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided was sufficient to cure the finding; however, resulted an additional finding. Please see finding added for Security Instrument - Name Discrepancy. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2143111 | 5 of 9 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with the XXXX. Title reflects the current Vested Interest as XXXX whereas the Security Instrument reflects XXXX. The loan file did not contain a transfer deed to support the change in Vested Interest. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached Warranty DEED and Final title<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2143111 | 6 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The lender's guidelines require a signed business purpose affidavit or similar document which confirms that the loan purpose complies. The loan file did not contain this document. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> please refer sec XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2143111 | 7 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The lender's guidelines require the property taxes and homeowner's insurance be escrowed. The estimated HUD-XXXX did not reflect the taxes and insurance were escrowed has required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2143111 | 8 of 9 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The loan file is missing the Guaranty Agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2143111 | 9 of 9 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2137448 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2137448 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Confirmation from HOI Agent<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX has a screenshot where the agent, XXXX, confirms all other perils <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX indicated email conformation of all perils attached. The PDF in the body of the email cannot be opened. Please provide the actual agent attachment as a separate document. (Upheld<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2137448 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163534 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163534 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> confirmation from HOI agent<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Updated HOI<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Unable to clear with documentation provided. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163534 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2143108 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2143108 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Per the lender's guidelines the maximum LTV for a cash-out refinance with a credit score over XXXX is XXXX%. A review final HUD-XXXX reflects the subject transaction is a cash-out refinance. The subject loan amount is $XXXX with an appraised value of $XXXX results in an LTV of XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This loan is a rate term refi and not a cash out. HUD attached showing borrower brought money to the closing table<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> A second mortgage was paid off that was non-purchase money. Transaction appears to cash-out. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Reserves $XXXX and DSCR XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2143108 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163533 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163533 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet guidelinerequirements were not verified in the file. The borrower was required toevidence $XXXX in reserves. The loan file only contained evidence of $XXXX in qualifyingassets. As a result, there is a $XXXX shortage in verified assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> As per our UW review we have enough liquidity, please waive this exception. Assets:XXXX% of cash out proceeds: $XXXX (XXXX)XXXX% of cash out proceeds: $XXXX (XXXX)XXXX% of cash out proceeds: $XXXX (XXXX)XXXX Business Checking Acct#XXXX(XXXX) - $XXXX as of XX/XX/XXXX.XXXX Combined Acct #XXXX (XXXX/XXXX) - $XXXX AS OF XX/XX/XXXX. Total amount : $XXXX. Debt Service Requirement: $XXXX (XXXX) UW<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> HUDs for all three cash out deals<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide the referenced documentation. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163533 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Letter from agent stating it is covered<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163533 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133344 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement is missing the closing date on page two. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached Loan agreement<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133344 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133344 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2137447 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2137447 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Confirmation from HOI agent<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2137447 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144039 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144039 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144039 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163536 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163536 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163536 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163537 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163537 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Guidelines do not allow declining markets. Per the appraisals for the subject properties located at XXXX and XXXX, the markets are declining. XXXX in file for exception to declining markets; however, a condition of the exception was to have maximum allowed LTV of XXXX%. The subject closed with an LTV of XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Rent receipts end in XXXX. Lease ran out and tenant moved out. Property was vacant at time of closing. We underwrote this as vacant. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The condition to have a maximum LTV of XXXX% is only applicable for the two properties with declining markets, the other XXXX properties are XXXX at XXXX leverage, XXXX% LTV. Both of the properties that are in declining markets are at XXXX%. XXXX - $XXXX loan amount / $XXXX value = .XXXX - $XXXX loan amount / $XXXX value = .XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Rebuttal does not address defect. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163537 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The loan file is missing the lease agreement for the subject property located at XXXX. While a copy of the rent receipt was present, the actual lease is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> lease agreement <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Sorry i had commented this comment on the other exception. No there was no other lease at the time of closing. We underwrote this property as vacant. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Lease is expired. Was a new lease signed. Please advise. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163537 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2137445 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2137445 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Agent states Deductibles - Section XXXX covers All other Perils<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2137445 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2137441 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2137441 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> All perils top of pg XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2137441 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a Desk Review dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152616 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152616 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152616 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144054 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144054 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144054 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144036 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144036 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144036 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that support the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144013 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144013 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144013 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144028 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144028 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144028 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144014 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144014 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144014 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144022 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144022 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144022 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144615 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144615 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144615 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154895 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154895 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing proof of the required tradelines. Per guidelines "Guarantors should be able to support a minimum of three tradelines: (i) minimum of XXXX active trade line(s), (ii) at least XXXX trade line with XXXX+ month rating, and (iii) XXXX lines must be rated for XXXX months and may be open or closed" Please note the above are required for both the borrower and the non-borrowing guarantor- XXXX. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This deal is foreign national deal, Credit report is not required, please waive this exception.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154895 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163535 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163535 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The evidence of hazard insurance in the loan file indicated a property address of XXXX. The subject property address is XXXX. Evidence of hazard insurance is required for the subject address. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI upadetd<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163535 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2144601 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144601 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144601 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144613 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of (XXXX) allows for a maximum (XXXX months) prepayment term, the loan has a (XXXX month) prepayment term. The loan fails the prepayment test by (XXXX) months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2144613 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144613 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163538 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163538 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Identification | XXXX | The borrowers and signers of the note, XXXX and XXXX, did not provide a loan application nor a copy of their photo identification. Evidence foreign national missing from loan file to verify that no credit report and background report is required. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX 2 (XX/XXXX/XXXX XXXX:XXPM)<br> XXXX XXXX non Guarantying members. Attached photo IDXXXXor primary guarantor. <br>Rebuttal 3 (04/XXXX/XXXX XXXX2:14PM)<br> We donXXXX require non-guaranteeing members to sign the note or provide photo identification <br>Rebuttal 4 (04/XXXX/XXXX XXXX:14PM)<br> XXXXequested waiver.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing referenced photo identification. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> All XXXX were required to sign the Note. XXXX required for all XXXX. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Unable to clear without XXXX from all XXXX Note signers. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2163538 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2159528 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159528 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Title Fees, CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159528 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The file contained no evidence of a properly executed sales contract. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Sales Contract attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159528 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Lender exception provided to allow a credit XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Approving bank personnel noted from the credit report that the past dues amounted to XXXX XXXX day lates, one being disputed. The approving parties noted it as a weakness, but approved due to the strengths of great cash flow, $XXXXk in reserves and very low personal debt.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception must be granted by Investor. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor granted the exception. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, current LTV of XXXX%, XXXX% DTI, $XXXX verified reserves, $XXXX residual income<br>**  | Compensating factors: As agreed pay history life of loan, current LTV of XXXX%, XXXX% DTI, $XXXX verified reserves, $XXXX residual income |  | 3 | 2 | 3 | 2 |
| XXXX | 2159528 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | FEMA Declaration declared XX/XX/XXXX for XXXX Hurricane XXXX (DR-XXXX-XXXX) with an incident period of XX/XX/XXXX – XX/XX/XXXX which is after the original appraisal date of XX/XX/XXXX. Please provide Property Inspection to confirm no damage | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient to resolve the finding. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> pdi uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> See BPO - No damage to property<br>Buyer Comment 3 (XX/XX/XXXX XX:XXPM)<br> PDI<br>Buyer Comment 4 (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>XXXX 5 (XX/XX/XXXX XX:XXPM)<br> pdii<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159528 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | The loan approval indicates borrower's self employment income was calculated using XXXX months average deposits from business account to personal account. XXXX months statements were not provided for reviewer to confirm. Additionally, guidelines provided don't reflect XXXX month bank statement program as an option. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX months bank statements in hand. Uploading the max XXXX in this category with the remaining two put in another area of this review. The bank allows it approving senior management team to make bank statement loans like this.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide the segment of the guide that allows bank statements. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor granted the exception. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, current LTV of XXXX%, XXXX% DTI, $XXXX verified reserves, $XXXX residual income<br>**  | Compensating factors: As agreed pay history life of loan, current LTV of XXXX%, XXXX% DTI, $XXXX verified reserves, $XXXX residual income |  | 3 | 2 | 3 | 2 |
| XXXX | 2159528 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE Self-Employed/Missing | XXXX | The loan file is missing a Verification of Self-Employment for the: borrower. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Not in hand. Using this space to provide the final two bank statements for another category of this review.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> VOE not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor granted the exception. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, current LTV of XXXX%, XXXX% DTI, $XXXX verified reserves, $XXXX residual income<br>**  | Compensating factors: As agreed pay history life of loan, current LTV of XXXX%, XXXX% DTI, $XXXX verified reserves, $XXXX residual income |  | 3 | 2 | 3 | 2 |
| XXXX | 2159528 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file is missing the appraisal. Additionally the loan file did not contain a secondary valuation product. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided and supports the origination value within 10%. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> BPO uploaded<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159537 | 1 of 14 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159537 | 2 of 14 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required subject appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159537 | 3 of 14 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Bank Statements | XXXX | The file is missing XXXX months bank statements for XXXX. File contains XX/XX/XXXX statement only. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No rebuttal response is being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years.<br>**  | Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159537 | 4 of 14 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements were not verified in the file. Required reserves are $XXXX and asset shortage is $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No rebuttal response is being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years.<br>**  | Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159537 | 5 of 14 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | A mortgage statement for the departing residence verifying that taxes and insurance are escrowed is missing. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Credit report deemed sufficient.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Credit report reflects conventional loan. Unable to determine if escrows were included. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years.<br>**  | Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159537 | 6 of 14 | XXXX | XXXX | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The DTI exceeds XXXX% Originator Guidelines. DTI XXXX%. According to the approval the DTI at closing will be XXXX% but there is a stipulation that the current primary residence is being sold and those proceeds will be used to pay subject loan down resulting in a DTI of XXXX%. File did not include a loan a modification so do not know if this stipulation was met therefore DTI of XXXX% was calculated and over maximum allowed DTI of XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Approval document states the XXXX% DTI as a weakness. The sale of the current primary was done as a paydown with no modification to the loan necessary.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide evidence of departure sale and subject paydown. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years.<br>**  | Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159537 | 7 of 14 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | FEMA Declaration declared XX/XX/XXXX for XXXX Hurricane XXXX [DR-XXXX-XXXX] with an incident period of XX/XX/XXXX – XX/XX/XXXX which is after the original appraisal date XXXX/XXXX. Please provide Property Inspection to confirm no damage. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> pdi uploaded<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159537 | 8 of 14 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient dwelling and Perils coverage. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX insurance attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159537 | 9 of 14 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Business Tax Returns | XXXX | The file is missing the following documentation for the borrower's self employment: XXXX personal returns, XXXX and XXXX business returns for XXXX (and W2s if applicable). There is a XXXX XXXX from XXXX but no business returns. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Business returns attached. Personal return not filed at the time of closing.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing personal returns. Business returns do not support primary borrower income. If there are XXXX's for XXXX please provide. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years.<br>**  | . Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159537 | 10 of 14 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Employment History | XXXX | Two full years of continuous employment history was not obtained for the co-borrower. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Narrative on approval document states co-borrower just graduated from law school, passed bar and is being qualified off a job offer letter. No previous employment to be verified.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide Co-Borrower's law school transcript. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years.<br>**  | Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159537 | 11 of 14 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Credit Score | XXXX | The borrower's XXXX credit score is below the minimum XXXX allowable per guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Approval document acknowledges the credit score and premium prices the rate. SLC and DLC approval stamped right above that area of the narrative.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Score does not meet guidelines. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years.<br>**  | Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159537 | 12 of 14 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. LTV XXXX%. Subject approval states along with subject property value of $XXXX and value of departure property being used as collateral are to be used for LTV of XXXX%. Approval stated an appraisal for primary residence and XXXX for departure property to be provided for validation of value. Those appraisals were not provided therefore values not confirmed and LTV being based off subject only. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX was not delivered to review as cross collateral loan. File will need to be re-setup in the system with parent and child loans. Additional review required. Nothing further on XXXX's part required at this time. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years.<br>**  | Noted Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, $XXXX residual income, self-employed XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159537 | 13 of 14 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOE Self-Employed/Missing | XXXX | The loan file is missing a Verification for XXXX XXXX for access to assets. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Assets are the bank&#XXXX;s own statements.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Business bank statement within XXXX days. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159537 | 14 of 14 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159531 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159531 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase and addition to the following fees was not accepted: Title fees. The Loan file did not contain a Service Provider List therefore all Title fees were subject to XXXX% tolerance. A cost to cure in the amount of $XXXX was required of which $XXXX was cured on the CD. A cost to cure in the amount of $XXXX is still required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159531 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX XXXX-XXXX-XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159531 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | XXXX completed reflecting a declared disaster after appraisal date. Property Inspection required to confirm no damage from FEMA events in XXXX and XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation not received. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation provided is sufficient to resolve the finding. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> disaster inspection<br>XXXX (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>XXXX 3 (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159531 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | There are additional employment/income findings. Guidelines for salary employee require XXXX days paystubs, XXXX's covering XXXX years, and XXXX years tax returns. Only paystubs covering XXXX month in file. Explanation on approval states son works for father and was not making enough income prior to XXXX to file tax returns therefore no XXXX's provided. Co-borrower received raise to $XXXX weekly in XXXX and paystubs support. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No rebuttal being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor granted an exception. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: Agreed upon pay history life of loan, Current LTV of XXXX%, XXXX% DTI, $XXXX verified reserves, $XXXX residual income<br>**  | Compensating factors: Agreed upon pay history life of loan, Current LTV of XXXX%, XXXX% DTI, $XXXX verified reserves, $XXXX residual income |  | 4 | 2 | 3 | 2 |
| XXXX | 2159531 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VVOE Salaried/Missing | XXXX | A VVOE is missing from the loan file. The loan file is missing a VVOE for the: borrower, co-borrower, both the borrower and co-borrower. Missing VOE in file for co-borrower. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> No rebuttal being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor granted an exception. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: Agreed upon pay history life of loan, Current LTV of XXXX%, XXXX% DTI, $XXXX verified reserves, $XXXX residual income<br>**  | Compensating factors: Agreed upon pay history life of loan, Current LTV of XXXX%, XXXX% DTI, $XXXX verified reserves, $XXXX residual income |  | 3 | 2 | 3 | 2 |
| XXXX | 2159531 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Missing valuation product to support original appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided and supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159532 | 1 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159532 | 2 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Title Fees and Recording Fees. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159532 | 3 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Truth in XXXX (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A). The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159532 | 4 of 12 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Admin Fee, Loan Processing Fee, XXXX, Credit Report and Transfer Taxes. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159532 | 5 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. The borrowers were required to provide documentation supporting assets totaling $XXXX, which included total cash to close in the amount of $XXXX and XXXX months reserves for the subject property in the amount of $XXXX. The loan file contained bank statements supporting assets totaling $XXXX which was insufficient. The loan file contained additional assets statements from XXXX banks; however, it could not be determined who the account owner was or what the value of the accounts was. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> No rebuttal being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor granted an exception. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client agreed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, current LTV XXXX%, XXXX qualifying credit score, XXXX% DTI, $XXXX monthly residual income<br>**  | Compensating factors: As agreed pay history life of loan, current LTV XXXX%, XXXX qualifying credit score, XXXX% DTI, $XXXX monthly residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159532 | 6 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Contract - Missing | XXXX | The file contained no evidence of a properly executed sales contract. The loan file contained an addendum to the purchase contract documenting the $XXXX seller concession; however, the remainder of the contract was not in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Contract and addendum attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159532 | 7 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | XXXX completed reflecting a declared disaster after appraisal date. FEMA disaster DR-XXXX-XXXX, XXXX, had an incident period of XX/XX/XXXX - XX/XX/XXXX which affected the subject property XXXX, XXXX, and was after the appraisal date of XX/XX/XXXX. The loan file did not contain a post-disaster inspection report confirming the subject property did not sustain damage as required. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159532 | 8 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The loan file did not contain the full hazard policy to include the declarations page. Sufficient coverage could not be confirmed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX insurance attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159532 | 9 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Employment History | XXXX | Two full years of continuous employment history was not obtained for the borrower. The loan application reflected both borrowers had XXXX+ years of employment history; however, the documentation in file only supported an employment history for each borrower from XXXX XXXX till the closing date in XXXX. Lender to provide documentation supporting XXXX years receipt of employment income for both borrowers. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> As stated in the approval. earlier employment from XXXX was not used for income determination, so it was not provided. However, we maintain documentation from the earlier employment, but it is too voluminous to provide here.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Only XXXX months of employment with nothing prior is not sufficient. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor granted an exception. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client agreed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, current LTV XXXX%, XXXX qualifying credit score, XXXX% DTI, $XXXX monthly residual income<br>**  | Compensating factors: As agreed pay history life of loan, current LTV XXXX%, XXXX qualifying credit score, XXXX% DTI, $XXXX monthly residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159532 | 10 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Credit Score | XXXX | The borrower's credit scores are below the minimum allowable per guidelines. Lender guidelines state all borrowers must meet the minimum credit score requirement for the loan program. The co-borrower did not have any credit scores which did not meet program parameters. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The approval states this item, explains and puts it as a Weakness in the Decision Factors section. Senior management approving parties weighed that against the stated strengths and mitigants. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> This is a guide violation. An Investor exception will be required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor granted an exception. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client agreed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, current LTV XXXX%, XXXX qualifying credit score, XXXX% DTI, $XXXX monthly residual income, job stability XXXX years<br>Buyer Comment 2 (XX/XX/XXXX XX:XXPM)<br> Client agreed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, current LTV XXXX%, XXXX qualifying credit score, XXXX% DTI, $XXXX monthly residual income<br>**  | Compensating factors: As agreed pay history life of loan, current LTV XXXX%, XXXX qualifying credit score, XXXX% DTI, $XXXX monthly residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159532 | 11 of 12 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. The subject loan was delivered as an XXXX% LTV/CLTV purchase of a primary residence. Lender guidelines allow for a maximum LTV of XXXX%. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Agreed. The approval notes this to be an XXXX% LTV and XXXX% LTC file and those with proper bank authority approved the file.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor exception is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor granted an exception. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client agreed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, XXXX qualifying credit score, XXXX% DTI, $XXXX monthly residual income<br>**  | Compensating factors: As agreed pay history life of loan, current LTV XXXX%, XXXX qualifying credit score, XXXX% DTI, $XXXX monthly residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159532 | 12 of 12 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided and supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159526 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | ARM Disclosure - Missing | XXXX | The file contains no evidence that the ARM Disclosure was provided to the borrower. Truth in XXXX (Regulation Z) 12 CFR 1026.19(b)(1) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ARM Disclosure attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159526 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159526 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The DTI at audit of XXXX exceeds lenders limit of XXXX% and the DTI at close of XXXX. The discrepancy appears due to the inclusion of needed reserve in the income calculation for asset dissipation. Freddie (the guidelines the dissipation is based on) does not require reserves however that is due to the requirement that asset dissipation income can only be used on a primary residence. However the lenders guidelines require XXXX mos of reserves for primary residence purchases with a loan amount of 1m-1.65m. In addition the loan approval contains verbiage "acknowledging the DTI exception" but no actual exception was found in the file and, considering the DTI variance, would need to be reconsidered. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exceptions to guidelines do not require further actions beyond the acknowledgement in the MAR document, which in this case were found in the narrative and as a weakness to file.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> An Investor exception is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor granted the exception. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: As agreed pay history life of loan, current LTV of XXXX%, XXXX qualifying credit score, $XXXX reserves, Self-employed XXXX years, Full doc loan<br>**  | Compensating factors: As agreed pay history life of loan, current LTV of XXXX%, XXXX qualifying credit score, $XXXX reserves, Self-employed XXXX years, Full doc loan. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159526 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The value was supported within 10%, however; the FSD score was >XXXX%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> BPO uploaded<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159527 | 1 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | ARM Disclosure - Missing | XXXX | The file contains no evidence that the ARM Disclosure was provided to the Borrower(s) within XXXX days of the change from a Fixed to Adjustment Rate Mortgage. Truth in XXXX (Regulation Z) 12 CFR 1026.19(b)(1) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ARM Disclosure attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159527 | 2 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159527 | 3 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase and addition to the following fees was not accepted: Title fees. The Loan file did not contain a Service Provider List therefore all Title fees were subject to XXXX% tolerance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159527 | 4 of 7 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | XXXX | Testing for TILA, Total of Payments, Federal and State threshold accuracy could not be completed through the compliance tool. The Index Rate provided in the loan file was not available within the XXXX day look-back period. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159527 | 5 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Earnest Money Deposit | XXXX | The earnest money deposit was not properly documented and/or sourced. Earnest deposit cleared for $XXXX reflected in contract and on final CD was not provided. Without proof of this clearing and from where subject loan is short cash to close and reserves by $XXXX of which $XXXX is cash to close and $XXXX is reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2159527 | 6 of 7 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. Borrower 2nd home is free and clear but no proof provided to support amount used for property taxes and homeowners insurance. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached regarding 2nd home.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159527 | 7 of 7 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. For securitization reasons a valuation product is required supporting original appraised value and was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM provided and did not support the origination value within 10%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> BPO provided and does not support the value within 10%. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Investor granted the exception. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> BPO uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed. Noted Compensating factors: Agreed upon pay history life of loan, current LTV of XXXX%, XXXX% DTI, XXXX qualifying credit score, $XXXX verified reserves<br>**  | Compensating factors: Agreed upon pay history life of loan, current LTV of XXXX%, XXXX% DTI, XXXX qualifying credit score, $XXXX verified reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2159534 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159534 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - W2(s) Missing | XXXX | XXXX's missing from the loan file. The loan file did not contain XXXX & XXXX W2s for the borrower as required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Tax transcripts in file show no reported wages for either year, therefore no W-2s can be required.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Prior to XX/XX/XXXX the borrower was employed as s XXXX for XXXX from XX/XX/XXXX to XX/XX/XXXX. Where is the income documentation. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor granted an exception. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, XXXX qualifying credit score, $XXXX reserves<br>**  | Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, XXXX qualifying credit score, $XXXX reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159534 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VVOE Salaried/Missing | XXXX | A VVOE is missing from the loan file. The loan file did not contain a VVOE dated within XXXX business days of the note date confirming the borrower's employment as required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> No rebuttal is being done.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Investor granted an exception. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, XXXX qualifying credit score, $XXXX reserves, <br>**  | Compensating factors: As agreed pay history life of loan, Current LTV of XXXX%, XXXX qualifying credit score, $XXXX reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2159534 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided and supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159535 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | ARM Disclosure - Missing | XXXX | The file contains no evidence that the ARM Disclosure was provided to the borrower. Truth in XXXX (Regulation Z) 12 CFR 1026.19(b)(1) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ARM Program Disclosure attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2159535 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 3 |
| XXXX | 2159535 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Per Regulation Z, the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX, which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The following fees were included in the Finance Charge calculation: Administration $XXXX, Condo Questionnaire $XXXX, XXXX $XXXX, Funding, Wire, or Disbursement $XXXX, Loan Origination $XXXX, Prepaid Interest $XXXX, Processing $XXXX, Settlement or Closing $XXXX, Loan Closing $XXXX. The index used for testing is XXXX%. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Our cost to cure calculated differently. Please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> It appears the Condo Questionnaire Fee in the amount of $XXXX was not included in the finance charge; the fee is a PFC and should be included. A cost to cure in the amount of $XXXX remains. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2159535 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2159535 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. Missing valuation product to support original appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided and supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2159536 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2159536 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required complete appraisal from file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159536 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Credit Score | XXXX | The borrower's XXXX credit score is below the minimum XXXX allowable per guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Agreed. Credit score is reflected in approval under credit history and as a weakness. With that presented, the bank&#XXXX;s authorized parties approved the loan to be closed.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor exception required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: As agreed pay history life of loan, current LTV of XXXX%, $XXXX monthly residual income, $XXXX verified reserves, job stability XXXX years,<br>**  | Noted compensating factors: As agreed pay history life of loan, current LTV of XXXX%, $XXXX monthly residual income, $XXXX verified reserves, job stability XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2159536 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VVOE Salaried/Aged | XXXX | A VVOE is required within XXXX Business Days of the Note Date. The VOE in file is dated XX/XX/XXXX which is expired as of the Note date XX/XX/XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> No rebuttal being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: As agreed pay history life of loan, current LTV of XXXX%, $XXXX monthly residual income, $XXXX verified reserves, job stability XXXX years,<br>**  | Noted compensating factors: As agreed pay history life of loan, current LTV of XXXX%, $XXXX monthly residual income, $XXXX verified reserves, job stability XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2159536 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161446 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161446 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The evidence of insurance provided reflects XXXX vs. the Borrower, XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached updated dec page - on pg XXXX, borrower is also listed as additional insured. Please clear.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161446 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163918 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2163918 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163918 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163919 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note inaccurate: The loan file and data tape indicate there is a XXXX month interest only period applicable, however, the note does not indicate there is any interest only period. It appears the incorrect note was used. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached updated note that has been executed by the borrower.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163919 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing background check and certificate of good standing for the entity, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163919 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The file missing the XXXX hazard insurance policy that was collected for on the settlement statement at closing verifying sufficient coverage/replacement cost, appropriate rent loss insurance, perils coverage and mortgagee clause. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached EOI docs.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Please see attached email from the insurance agent confirming all perils is included.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide evidence of All Perils. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163919 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161443 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161443 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161443 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161455 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161455 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The loan file did not contain a copy of the certificate of good standing for the entities known as XXXX, XXXX, and XXXX, members of the borrowing entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161455 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | Guidelines require a copy of the lease agreement if the subject property is leased prior to funding. The appraisal reflects that the subject is tenant occupied; however, the loan file does not contain a lease. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161455 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | A satisfactory mortgage payment history with the loan paid off with XXXX missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached VOM.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161455 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, or 2nd appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161445 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161445 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161445 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. No value supporting documentation in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163920 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163920 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163920 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161444 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161444 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161444 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163921 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The signature on the Loan agreement does not appear to match loan documents. The borrower is an entity however the Loan Agreement was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2163921 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | The loan closed with an LTV of XXXX% based upon the as-is appraised value of $XXXX. However, the application date is XX/XX/XXXX which is within XXXX months of the purchase date of XX/XX/XXXX paid with cash; therefore, the loan is considered as a delayed purchase transaction. Based on the purchase HUD with a sales price of $XXXX and settlement charges of $XXXX, the acquisition price is $XXXX. The file contains improvement invoices totaling $XXXX for total acquisition price of $XXXX. Guidelines on seasoning requirements for delayed financing require the LTV to be based off of the lessor of the acquisition price or as-is appraised value. With a loan amount of $XXXX and based on the acquisition price of $XXXX, the resulting LTV exceeds XXXX%. The LTV does not meet the program eligibility guidelines. If additional improvements were made please provide for review. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached for current XXXX seasoning guidelines. Borrower did improvements - see attached invoices. Therefore, as-is appraised value can be used since borrower qualifies.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2163921 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject was purchased on XX/XX/XXXX with cash with a sales price of $XXXX as evidenced by the HUD provided in the file. The application date is XX/XX/XXXX which is within XXXX months of the purchase date; therefore, the loan is considered as a delayed purchase transaction. Guidelines require documentation of the source of funds used to purchase the property which totals $XXXX and is missing from the file as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached bank statement. Deposit of $XXXX is on the statement which is from the refinance of an investment property. Funds were used to purchase the subject property.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2163921 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, or 2nd appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2163922 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163922 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The guidelines require that C4 condition for Rental loans are only eligible for Purchase, Rate & Term, and Delayed Purchase transactions. The appraisal for the subject property reflects the condition to be rated C4. According to the subject transaction HUD-XXXX settlement statement the subject transaction was a cash-out refinance with the borrower receiving $XXXX in cash. The subject was purchased in XXXX; therefore, is not delayed financing. As the subject transaction is a cash-out refinance with a C4 condition, the transaction is not allowed. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached guideline exception approved by investor.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. Experienced Investor. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2163922 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. Further, the loan file contained an insurance quote forthe subject property; however, an actual binder or XXXX was not present inthe loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See attached email from the insurance agent confirming all perils<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached dec page.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing binder. Only a quote was provided. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2163922 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163924 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163924 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The guidelines require that C4 condition for Rental loans are only eligible for Purchase, Rate & Term, and Delayed Purchase transactions. The appraisal for the subject property located at XXXX reflects the condition to be rated C4. According to the subject transaction HUD-XXXX settlement statement the subject transaction is a cash-out refinance with the borrower receiving $XXXX cash and a mortgage is to be paid off at closing. According to the chain of title, the property was acquired in XX/XX/XXXX. As the subject transaction is a cash-out refinance with a C4 condition, the transaction is not allowed. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached GL exception approved by investor.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2163924 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163929 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX.?? | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2163929 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Adverse Credit | XXXX | Adverse credit information was not adequately explained by the applicant. Explanation and evidence of satisfaction of judgments, per the background report, for civil judgements in the amounts of $XXXX and $XXXX. File is missing documentation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached letter of explanation.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> See attached warrant to satisfy judgement.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please provide evidence of release for $XXXX Civil judgement dated XX/XX/XXXX<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2163929 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161447 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The signature on the Loan agreement does not appear to match loan documents. The borrower is an entity however the Loan Agreement was signed as Individual and as Member. Page one of mortgage only listed the entity and Title only listed borrower as entity. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2161447 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The subject is a purchase transaction. The required funds for closing including the EMD, POC's and closing funds were $XXXX. The required reserves were $ XXXX. The total required funds were $ XXXX. The funds verified in the borrower's name were $ XXXX. The file documentation reflected an open HELOC on the borrower's primary residence with a credit limit of $XXXX and balance of $XXXX as of XX/XX/XXXX. Minimum required HELOC funds to be verified to support the required funds are approximately $XXXX. Investor guidelines required evidence that the funds were transferred to the borrower's account. Required proof of funds transferred to the borrower's account was not provided. Without these funds, the borrower's required funds would be short $XXXX. Additional conditions may apply | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached for documentation of the wire transfer.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161447 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Contract Addendum - Missing | XXXX | The Sales Contract Addendum(s) is the addendum to reflect the final sales price of $XXXX as reflected on the Final Closing Statement dated XXXX/XXXX/XXXX/ | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached amendment with the sales price that is reflected on the HUD.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161447 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached. Please clear.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161448 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161448 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161448 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163925 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163925 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See email from insurance agent confirming all perils.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163925 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161454 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2161454 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Riders are missing: XXXX-XXXX Family Rider, Prepayment Rider, Business Loan Rider, SFR Entity Borrower Rider, Business Purpose and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161454 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161454 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163926 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163926 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163926 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163928 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163928 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The appraisal is missing the comparable rental pictures. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached email from appraiser explaining that there are no comps XXXX, XXXX, and XXXX which is why these are blank on the appraisal report.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163928 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The loan file does not contain a copy of the operating agreement as required for the entity known as XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163928 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163930 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163930 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The borrowing Entity, XXXX, contains XXXX members. The file is missing the Resolution as required by guidelines. Title company to review prior to closing for signing authority. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached OA - XXXX is listed as managing member with XXXX% ownership. If you refer to #XXXX, it states the managing member shall have full authority to act on behalf of the company. Please clear.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163930 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The file is missing the Certificate of Good Standing for XXXX. Noted, the prefund review file contained the Certificate of Fact dated XX/XX/XXXX which satisfies this requirement; however, is missing in post fund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163930 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The policy is missing the correct mortgagee clause (XXXX). Noted, this was also a finding on the prefund review. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163930 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, or Situs AMC to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161452 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161452 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161452 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161450 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161450 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161450 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161451 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161451 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161451 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2164862 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164862 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state XXXX or meet one of the three options provided in overlay to Correspondent. Noted, the prefund loan included a different policy from a different company which reflected XXXX. The HOI policy provided in this review did not reflect XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164862 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan was missing current hazard insurance policy on the subject property with correct subject address. The policy provided in the file reflects the subject address as XXXX; however, the correct address is XXXX. Noted, the prefund loan included a different policy from a different company which did reflect the correct subject address. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164862 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The co-borrower is a non-occupant co-borrower. Guidelines require the Non-Occupant Co-Borrower Certification to be completed and signed by the borrower and co-borrower prior to or at closing. The file is missing this document. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> document attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> the first page provided was signed and dated--please clear this condition. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The actual cert does not contain any signatures. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164862 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126996 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument wasnot completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end formshould have been used; however, the Security Instrument covers the correct debtand terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2126996 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The subject transaction closed in the name of XXXX. The investor guidelines required a Certificate of Good Standing for the XXXX. The required documentation was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> certificate of good standing<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2126996 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The investor guidelines required a mortgage payment history on the borrower's primary residence. A XXXX month history from a property other than their primary residence was allowed to meet this guidelines. A XXXX month mortgage history for primary residence or other property was not provided as required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX was underwritten using old truly guidelines, which do not use require primary mortgage. Please see attached. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Guidelines were XXXX year old. Exception required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based oncompensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Reserves $XXXX and DSCR XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2126996 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Loan Amount | XXXX | The investor guidelines reflected loan amounts allowed range from $XXXXk to $XXXXM. Subjects loan amount was $XXXX and below the minimum loan amount. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX was underwritten using old guidelines and matrix. Please see attached matrix which allows loan amount of $XXXX to $XXXX. Please have condition cleared. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Guidelines were XXXX year old. Exception required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Reserves $XXXX and DSCR XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2126996 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | XXXX was a cash-out refinance and borrower's mid score was XXXX. Based on the investor guidelines the maximum LTV based on cash out with XXXX was XXXX%. Subject's LTV was XXXX% and exceeded the maximum allowed. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> processor cert <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception must be granted by Investor. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Investor approved to waive based oncompensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Reserves $XXXX and DSCR XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2126996 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ssr<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2164836 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164836 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The loan file is missing the background report for the borrowing entity XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the attached UCC search for XXXX.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164836 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. The loan file did not contain a flood certificate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the attached XXXX. It aligns with the flood map/XXXX in the original appraisal. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164836 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2130362 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2130362 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. Rent schedule missing as required. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per UW, rental income was not used to quality and not required for the Invest XXXX Income product. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Per UW, rental income was not used toqualify and not required for the Invest XXXX Income product.Please waive.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Rent was used to qualify. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Client request to waive based on compensating factors. (Waived)<br>**  |  | Comp factors - XXXX, Reserves $XXXX and XXXX years at current residence. |  | 3 | 2 | 3 | 2 |
| XXXX | 2130362 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | A personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (XXXX% or more). The following are missing for XXXX: XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship. XXXX) Provide authorization for a credit report and background report XXXX) Identification documentation must be provided as in a driver's license, passport, or similar | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2130362 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2133214 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2133214 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal is missing the required comparable rent schedule. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Request to revisit This program is an Income XXXX. XXXXs are not required or ordered on those programs. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133214 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing verification of HOI for XXXX XXXXand proof of taxes and HOI for XXXX XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Request to revisit This policy has multiple properties. We also used property profile for taxes<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Only HOI was XXXX XXXX. Still missing taxes and insurance for the other property. DTI will be higher than the current excessive DTI of XXXX%. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. See other finding for increased DTI to XXXX%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133214 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The DTI at audit of XXXX% exceeds the program limit of XXXX%and final DTI per loan docs of XXXX%. The discrepancy due to the lender not properly associating current mortgage with their associated REO's. The final XXXX shows the "net rental income" section, from the final XXXX, as blank for each REO, which verifies the above. If the PITIA was completely washed with the associated rental income the "net" would show as a "XXXX". In addition, no actual rent is stated nor were docs provided to support the use of rents in offsetting the PITIA's | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Request to Revisit We use a XXXX% expense factor to compensate for all mortgages on real estate/flipper bank statement loan. This is not different than previously done on the Rising XXXX Business purpose program. This method was utilized in previous XXXX loans.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX% expense factor used when income is XXXX% from real estate investment. Recalculated DTI is XXXX%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133214 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | A personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (XXXX% or more). The following items are missing for XXXX XXXX) A limited application that includes their name, address, date of birth, social security number, and citizenship. XXXX) An authorization for a credit report and background report. XXXX) Identification documentation must be provided as in a driver's license, passport, or similar | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the attached guarantor package<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133214 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153388 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153388 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing. The legal description missing from loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> recorded dot<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2153388 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The loan file did not contain a copy of the appropriate Matrix; therefore it could not be determined if the subject loan met all program parameters. Reviewer will recalculate upon receipt of the matrix, and additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Matrix provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Matrix provided and meets requirements for DSCR under XXXX for LTV, Credit Score, Loan amount and loan purpose. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153388 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The loan file did not contain a Final Closing Disclosure or Final HUD-XXXX as required. Reviewer to re-calculate final numbers upon receipt. CD provided reflects cash to close of $XXXX and matrix requires XXXX months reserves based on DSCR being under XXXX at XXXX months x $XXXX = $XXXX. Total cash to close and reserves are $XXXX + $XXXX = $XXXX and only have assets of $XXXX for a shortage of reserves $XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> fss<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> fss<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please provide doc. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153388 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161627 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2161627 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow approved for property listed for sale after application date. Application date XX/XX/XXXX and listing canceled XX/XX/XXXX. Rate and Term refinance, and LOE and cancelation agreement on file. Determined non-material based on compensating factors (Waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (Waived).<br>**  |  | Compensating Factors: DSCR greater than XXXX, XXXX score is twenty points greater than minimum fico score. |  | 2 | 2 | 2 | 2 |
| XXXX | 2161627 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2161626 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161626 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161626 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2139937 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2139937 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2139937 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check for XXXX XXXX XXXX that includes a search for liens and judgments is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2139937 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is to perform a XXXX search of borrower and entity. The required XXXX searches are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX search- no results due to new XXXX <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> borrower search uploaded<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX was not searched. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2139937 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2136066 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2136066 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2136066 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2144884 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2144884 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2144884 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2164835 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the Loan Agreement is missing executed applicable Exhibits A, B and C. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2164835 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the Loan Agreement is not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2164835 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan has a prepayment term. (XXXX. Comp. XXXX §438.31c(XXXX)(c) Under XXXX. Comp. XXXX §438.31c(XXXX)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment fee or penalty in excess of XXXX% of the amount of any prepayment made within XXXX years of the date of the loan, or any prepayment fee or penalty at all thereafter, or prohibit prepayment at any time. This restriction does not apply to loans insured or guaranteed by the federal government or by any agency of the federal government. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2164835 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2164835 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2142486 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2142486 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2142486 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2164834 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2164834 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow a R/T refi for a first time investor that doesn't own a primary residence. Considered immaterial based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX based on compensating factors (Waived).<br>**  |  | Compensating factors: XXXX, XXXX mos reserves, DTI XXXX% |  | 2 | 2 | 2 | 2 |
| XXXX | 2164834 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2161625 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161625 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161625 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161625 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2166756 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2166756 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The loan file contains a lender exception to allow financing on a rural property which is considered an unacceptable property type. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (waived).<br>**  |  | Compensating factors: LTV XXXX% less than XXXX, FICO 40 points greater than min |  | 2 | 2 | 2 | 2 |
| XXXX | 2166756 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153479 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2153479 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines guarantors are required to complete a limited application that includes their name address, date of birth, social security number, and citizenship. The limited application for guarantor XXXX is missing from the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153479 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines guarantors must provide authorization for a credit report and background report. The guarantor must meet the credit and background requirements set forth in the guide. The credit and background authorization for guarantor XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor background and credit<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153479 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines identification documentation must be provided as in a driver's license, passport or similar for each guarantor. The required identification documents are missing for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor XXXX and app<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153479 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines personal guarantors from community property states must be accompanied by a signature from the guarantor's spouse. The borrower is listed as married on the final loan application however the spouse's signature is missing from the guaranty agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> spouse signature <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153479 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is to perform a XXXX search of the borrower and entity. The loan file is missing the required XXXX searches for both the borrower and entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX search<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153479 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The final loan application list the borrower as a permanent resident. Per the guidelines acceptable evidence of permanent residency must be provided and include the following: Green Card, Permanent Resident Card that does not have an expiration date on the back, Conditional Permanent Resident Card that has an expiration date on the back and is accompanied by a copy of the filed INS form i-XXXX or non expired foreign passport that contains a non-expired stamp valid for a minimum of XXXX years. The loan file is missing the required proof of residency documents for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> resident card<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153479 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2166783 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166783 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166783 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166782 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2166782 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of the required documentation for the non-borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2166782 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153086 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153086 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153086 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a AVM, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162966 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date. Closing Date was XX/XX/XXXX, CD reflect Disbursement Date as XX/XX/XXXX. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Exempt loan.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The new data tape provided issufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2162966 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This is a DSCR loan- TRID requirements do not exist. Please remove condition. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> New Data tape has been uploaded to Digital risk portal as excel files not allowed in XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> According to the XXXX provided, the loan was originated as Non-QM. A Non-QM loan is considered a TRID loan. If the loan is instead XXXX from QM, please provide an updated XXXX re-designating the loan as Exempt and/or documentation reflecting the loan was originated as Exempt. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The new data tape provided issufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162966 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Loan Estimate/Missing | XXXX | There is no evidence of a complete Loan Estimate provided in the loan file. As a result testing for timing and tolerance could not be completed. CFPB Title XXXX, Part XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> A Costs and Credits was issued instead of a Loan Estimate. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> New Data tape has been uploaded to Digital risk portal as excel files not allowed in XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> According to the XXXX provided, the loan was originated as Non-QM. A Non-QM loan is considered a TRID loan. If the loan is instead XXXX from QM, please provide an updated XXXX re-designating the loan as Exempt and/or documentation reflecting the loan was originated as Exempt. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The new data tape provided issufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162966 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162966 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161624 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2161624 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines guarantors are required to complete a limited application that includes their name, address, dated of birth, social security number, and citizenship. The loan file is missing the required documentation for guarantor XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor app and credit <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161624 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines guarantors must provide authorization for a credit and background report. The guarantor must meet the credit and background requirements set forth in the guide. The loan file is missing the required documents for Bo XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background and credit <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161624 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines guarantors must provide identification documentation such as a driver's license or passport. The loan file is missing identification documents for guarantor XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor XXXX <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161624 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156415 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documents provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2156415 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing the January XXXX statement for XXXX XXXX. Guidelines require the most recent XXXX months business bank statements as of the initial XXXX date which is XX/XX/XXXX. The XX/XX/XXXX-XX/XX/XXXX statements are in file as well as an updated transaction history for XXXX/XXXX-XX/XX/XXXX leaving the January gap. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We have used XX/XX/XXXX-XX/XX/XXXX statements for the income calculations. The Feb statement was to show proof of receipt on the rental income. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156415 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for a borrower that lives rent free within XXXX miles of subject. Considered non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Considered non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: XXXX, XXXX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2156415 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2166781 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2166781 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception borrower does not have the active tradeline for XXXX months but does have the credit lines. XXXX tradeline requirement not met. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: Years at present address XXXX months, LTV /CLTV XXXX/XXXX. XXXX score769, Assets $XXXXk plus. |  | 2 | 2 | 2 | 2 |
| XXXX | 2166781 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. Cu score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2166780 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The mortgage has vesting in 'XXXX' while the title report has vesting as 'XXXX, XXXX, and XXXX'. The deed transferring ownership was not executed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> deed<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2166780 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a background check is required on the entity through either a full background search or a Fraud guard Report along with a XXXX lien and judgment search. The file does not contain either search option for the entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> background<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2166780 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The loan file contains a lender exception to allow a cash-out financing on a rural property, which guidelines state is an unacceptable property type. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: LTV XXXX% less than XXXX, Experienced Investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2166780 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158757 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2158757 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines a background check that includes the search for liens and judgments is required for the Entity. The required background check is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158757 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is to perform a XXXX search of borrower and entity. The XXXX searches for both the borrower and entity are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158757 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow borrower with XXXX less than the required XXXX to proceed with Cash-Out Refi. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (Waived).<br>**  |  | Compensating Factors: XXXX has lived/owned primary XXXX+ years, Cash in hand greater than XXXX months excess Reserves. |  | 2 | 2 | 3 | 2 |
| XXXX | 2158757 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161623 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The executed borrower pg. XXXX Loan Agreement has been provided; the Lender executed Laon agreement on pg. XXXX has not been provided. (Acknowledged)<br>**  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2161623 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " to allow for subject insurance policy to have actual cash value replacement coverage for a roof _ wind /hail damage." Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | comp factors dscr XXXX ltv XXXX experienced |  | 2 | 2 | 2 | 2 |
| XXXX | 2161623 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2164833 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2164833 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the propertyis located. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2164833 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2164833 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2161622 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2161622 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a background check is required on the entity through either a full background search or a Fraud guard Report along with a XXXX lien and judgment search. The background with the lien/judgment search could not be located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161622 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Liabilities - Mortgage Payment History | XXXX | The subject property was purchased and financed through XXXX on XX/XX/XXXX, there is a statement and payoff within the loan file but the payment history to verify 0x30 could not be located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The borrower has paid at closing for the first XXXX months so they&#XXXX;re not required to pay before XXXX. You can see it all in the closing instructions and HUD of the acquisition.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161622 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the qualifying value. | Cleared |  |  |  |  |  | 1 | 2 | 3 | 2 |
| XXXX | 2161621 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2161621 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2161621 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Borrower 1 was XXXX%/XXXX% owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). The loan file contained the Guaranty for both guarantors. However, the loan file did not contain a XXXX) limited application that includes name, address, date of birth, social security number, and citizenship, XXXX) authorization for credit report and XXXX) background check for XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161621 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164832 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2164832 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan has a prepayment term. (XXXX. Comp. XXXX §438.31c(XXXX)(c) Under XXXX. Comp. XXXX §438.31c(XXXX)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment fee or penalty in excess of XXXX% of the amount of any prepayment made within XXXX years of the date of the loan, or any prepayment fee or penalty at all thereafter, or prohibit prepayment at any time. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2164832 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " allow to charge entity fee ." Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Determined non-material based on compensating factors (waived).<br>**  |  | comp factors excessive reserves experienced fico XXXX dscr XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2164832 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2161620 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161620 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161620 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161620 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161591 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2161591 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The loan file contains a lender exception to allow a XXXX unit property have XXXX unit under the guideline required XXXX square feet per unit at XXXX square feet. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (waived).<br>**  |  | Compensating factors: DSCR >XXXX, XXXX+ mons PITI |  | 2 | 2 | 2 | 2 |
| XXXX | 2161591 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2164831 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2164831 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2164831 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2164830 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2164830 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Source | XXXX | Assets were required in the amount of $XXXX ($XXXX closing costs + $XXXX reserves). Assets were verified in the amount of $XXXX with a XXXX-day bank statement from XXXX and XXXX. Per the guidelines, XXXX days of account activity is required. The wire for $XXXX needs to be verified that went to title on XX/XX/XXXX with an additional bank statement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached, we have $XXXX and $XXXX in cashier&#XXXX;s checks and $XXXX EMD.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Cashiers checks and a $XXXX balance in XXXX and XXXX does not fully document funds. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164830 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Source | XXXX | Funds to close required for subject closing were $XXXX ($XXXX EMD + $XXXX funds due at closing + $XXXX reserves). Assets were verified in the amount of $XXXX. As a result, funds for closing were short $XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached, we have $XXXX and $XXXX in cashier&#XXXX;s checks and $XXXX EMD.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Cashiers checks and a $XXXX balance in XXXX and XXXX does not fully document funds. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164830 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164829 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2164829 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2164829 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2164805 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164805 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines a background check that includes a search for liens of judgments is required for the Entity. The required background check for entity XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164805 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is required to perform a XXXX search of the borrower and entity. The required XXXX searches for the borrower and entity are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164805 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164806 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164806 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines a background check that includes a search for liens of judgments is required for the XXXX. The required background check for entity XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164806 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is required to perform a XXXX search of the borrower and entity. The required XXXX searches for the borrower and entity are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164806 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2166779 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166779 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166779 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156375 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2156375 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156375 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156374 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2156374 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156374 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156373 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2156373 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2156373 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2164828 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2164828 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2164828 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2166778 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166778 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166778 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166777 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166777 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166777 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166776 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166776 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166776 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161619 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2161619 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2161619 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | .According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of the required documentation for the non-borrowing guarantor, XXXX and XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> guarantor docs<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> XXXX guarantor docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Still missing docs for XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161619 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153449 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2153449 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2153449 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX. which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2166775 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The notary did not acknowledge the year the signing occurred on the loan agreement pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> pg XXXX with yr input by notary.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2166775 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The notary did not acknowledge the year the signing occurred. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> sec inst with year by notary<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2166775 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2166775 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161618 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2161618 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2161618 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2166774 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2166774 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower 1 was XXXX%/XXXX% owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). The loan file contained the Guaranty for both guarantors. However, the loan file did not contain a XXXX) limited application that includes name, address, date of birth, social security number, and citizenship XXXX) authorization for credit report and XXXX) background check for the non-borrowing guarantor as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2166774 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164827 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2164827 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The loan file is missing full background showing liens and judgments for entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> new entity<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2164827 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " allow to finance borrower that doesn't meet XXXX minimum standards for tradeline requirements of 3rd line (open & closed for XXXX months)." Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (Waived).<br>**  |  | comp factors dscr XXXX excessive reserves ltv XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2164827 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161617 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2161617 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Cash to Close - Evidence of Liquidation | XXXX | The loan file is short funds to close of $XXXX. Total cash to close totals $XXXX ($XXXX POC's,$XXXX EMD, $XXXX funds due at closing). Total verified liquid funds are $XXXX (XXXX XXXX $XXXX, XXXX $XXXX) leaving a shortfall of $XXXX. The also contains an XXXX 401K with an ending balance of $XXXX. However the loan file does not contain proof of withdrawl that would make up for the shortfall and which is required by guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX, XXXX mos reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2161617 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for XXXX% LTV for afirst time investor. Considered non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Considered non-material based on compensating factors (waived).<br>**  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2161617 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161616 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161616 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161616 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161615 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161615 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161615 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2166773 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan has a prepayment term. (XXXX. Comp. XXXX. §438.31c(XXXX)(c)Under XXXX. Comp. XXXX §438.31c(XXXX)(c), a loan secured by a single-family dwelling unit shall not charge a prepayment feeor penalty in excess of XXXX% of the amount of any prepayment made within XXXX years of the date of the loan, or any prepayment fee orpenalty at all thereafter, or prohibit prepayment at any time. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2166773 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2166773 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156364 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2156364 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is to perform a XXXX search of the XXXX. The required XXXX searches for the borrower and entity are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156364 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow for proof of XXXX month payment history as private lender is owned by borrower. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Repeat XXXX Client, Experienced Investor, XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2156364 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2164826 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2164826 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a background check is required on the entity through either a full background search or a Fraud guard Report along with a XXXX lien and judgment search. The file does not contain either search option for the entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2164826 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The loan file contains a lender exception to allow financing on a rural property which is an unacceptable property type per guidelines. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (waived).<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waived. (Waived)<br>**  |  | Compensating factors XXXX+ mons PITI, Experienced Investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2164826 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161614 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2161614 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines guarantors are required to complete a limited application that includes their name, address, dated of birth, social security number, and citizenship. The loan file is missing the required documentation for guarantor XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161614 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines guarantors must provide authorization for a credit and background report. The guarantor must meet the credit and background requirements set forth in the guide. The loan file is missing the required documents for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161614 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines guarantors must provide identification documentation such as a driver's license or passport. The loan file is missing identification documents for guarantor XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161614 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines the underwriter is required to perform a XXXX search of the borrower and entity. The required XXXX searches are missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161614 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164825 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. Page XXXX reflects the property is located in the Town of XXXX; however, per Title and the Legal Description to property is located in XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> affidavit uploaded<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2164825 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued onXX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2164825 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing proof that the property at XXXX has been sold. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This property is not required to be paid off as we did the XXXX bridge XXXX loan for the proceeds needed for the purchase file. We only require the property to be listed and the property listing was included in the file. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2164825 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for the use of bonusincome based on offer letter. Considered non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Considered non-material based on compensating factors (waived).<br>**  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2164825 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161613 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2161613 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Mortgage document is missing Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161613 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of the required documentation for the non-borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161613 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161612 | 1 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161612 | 2 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the XXXX rate spread home loan test. (XXXX §XXXX-XXXXF(a)(XXXX)). The loan is a rate spread home loan, as defined in the legislation. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161612 | 3 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Information/Loan Type | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Loan Type. The Loan Type is reflected as Other; however it should be Conventional. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(5)(iv) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2161612 | 4 of 8 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2161612 | 5 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing the January and February XXXX statements for XXXX XXXX and the following statements for XXXX XXXX: XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached income calculation along with bank statements used. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161612 | 6 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow an appraisal withno comps outside of the subject project. Considered non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Considered non-material based on compensating factors (waived).<br>**  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2161612 | 7 of 8 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow DTI up to XXXX% withan LTV of XXXX%. Considered non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Considered non-material based on compensating factors (waived).<br>**  |  | Compensating factors: XXXX, XXXX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2161612 | 8 of 8 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. he loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161611 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2161611 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is missing pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161611 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines guarantors are required to complete a limited application that includes their name, address, dated of birth, social security number, and citizenship. The loan file is missing the required documentation for guarantor XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161611 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines guarantors must provide authorization for a credit and background report. The guarantor must meet the credit and background requirements set forth in the guide. The loan file is missing the required documents for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161611 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines guarantors must provide identification documentation such as a driver's license or passport. The loan file is missing identification documents for guarantor XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161611 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161610 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161610 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161610 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2164824 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164824 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a background check is required on the entity through either a full background search or a Fraud guard Report along with a XXXX lien and judgment search. The file does not contain either search option for the entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> BACKGROUND<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164824 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164823 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2164823 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a background check is required on the entity through either a full background search to include a lien and judgment search. The file does not contain the required background check for the borrowing entity, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2164823 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines all guarantors are required to provide a limited application, authorization for a credit report and background report along with identification documentation. The loan file contains a driver's license; however, none of the other required documentation for the non borrowing guarantor, XXXX was provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached guarantor package.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2164823 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a first time investor to purchase a property at XXXX% LTV/CLTV which exceeds the XXXX allowed of XXXX%. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (waived).<br>**  |  | Compensating factors: DSCR >XXXX, XXXX+ mons PITI |  | 2 | 2 | 3 | 2 |
| XXXX | 2164823 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161609 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2161609 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: The loan agreement is missing all exhibits: A, B, and C. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161609 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | The loan file contains a lender exception to allow a rent free borrower with a vacant property, the borrower cannot meet the XXXX months verification of rent paid to the borrower. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (waived).<br>**  |  | Compensating factors: Lower LTV with this loan, lower rate |  | 2 | 2 | 3 | 2 |
| XXXX | 2161609 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161608 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2161608 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Minimum Trade Lines | XXXX | The loan file contains a lender exception to allow the credit to go back XXXX months instead of the guideline required XXXX month look back period. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (waived).<br>**  |  | Compensating factors: XXXX% LTV/CLTV, DSCR >XXXX |  | 2 | 2 | 3 | 2 |
| XXXX | 2161608 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines state if the borrower is living rent free the subject property cannot be within XXXX miles of the primary residence, but the subject is XXXX miles from the primary residence. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX% LTV/CLTV, DSCR >XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2161608 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines state when the borrower is living rent free; XXXX months verification rent paid to the borrower for both units $XXXX (rear unit) and $XXXX per month (lease does not include unit number). | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX% LTV/CLTV, DSCR >XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2161608 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Please provide a corrected lease agreement reflecting the unit number for the XXXX lease at $XXXX per month. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached exception<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX% LTV/CLTV, DSCR >XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2161608 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2164822 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2164822 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2164822 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan flie contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2164821 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2164821 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow waiving entity fee on loan number XXXX, XXXX and XXXX. Charging entity fee only on this file loan number XXXX. Current guidelines closing multiple loans using same entity. XXXX. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (Waived).<br>**  |  | Compensating Factors: XXXX score XXXX and DSCR greater than XXXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2164821 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2164820 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2164820 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow waiving entity fee on loan number XXXX, XXXX and XXXX. Charging entity fee only on this file loan number XXXX. Current guidelines closing multiple loans using same entity. XXXX. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (Waived).<br>**  |  | Compensating Factors: XXXX score XXXX and DSCR greater than XXXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2164820 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2164819 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2164819 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow waiving entity fee on loan number XXXX, XXXX and XXXX. Charging entity fee only on this file loan number XXXX. Current guidelines closing multiple loans using same entity. XXXX. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (Waived).<br>**  |  | Compensating Factors: XXXX score XXXX and DSCR greater than XXXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2164819 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158698 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2158698 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2158698 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158698 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2166771 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166771 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166771 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161607 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Then loan agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2161607 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " allow dscr financing for a property located in a rural market area ." Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (Waived).<br>**  |  | comp factor dscr XXXX excessing reserves for XXXX months |  | 2 | 2 | 2 | 2 |
| XXXX | 2161607 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX6 which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2166757 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2166757 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to waive the entity fee, it is already being charged on loan number XXXX. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (waived).<br>**  |  | Compensating Factors: DSCR >XXXX, XXXX+ mons reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2166757 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2164818 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2164818 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report, Desk Review Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2164818 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2164818 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2164817 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the Loan Agreement is not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2164817 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a background check is required on the entity through either a full background search or a Fraud guard Report along with a XXXX lien and judgment search. The file does not contain either search option for the entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164817 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164816 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2164816 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The notary did not acknowledge if the signing was completed by someone 'personally known' or produced evidence to be the person who appeared before them on XXXX XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164816 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164816 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161606 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2161606 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement Pg XXXX is illegible at the bottom of the page. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161606 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161606 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161605 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161605 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161605 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161604 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2161604 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The loan file is missing the required background report including a search for liens and judgments on the entity, XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161604 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loanfile has a lender exception to allow three properties in the same neighborhood block. XXXX guidelines state cannot lend to more than two properties in the same neighborhood block. Determined non-material based on compensating factors (Waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (Waived).<br>**  |  | Compensating Factors: XXXX score XXXX, is forty points greater than minimum fico score, borrower has payment history on all mortgages of 0x30x12, DSCR greater than XXXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 2161604 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2166758 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2166758 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2166758 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161603 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2161603 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The loan fileis missing the required background report including a search for liens and judgments on the entity, XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161603 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file has a lender exception to allow three properties in the same neighborhood block. XXXX guidelines state cannot lend to more than two properties in the same neighborhood block. Determined non-material based on compensating factors (Waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX-material based on compensating factors (Waived).<br>**  |  | Compensating Factors: XXXX score XXXX, is forty points greater than minimum fico score, borrower has payment history on all mortgages of 0x30x12, DSCR greater than XXXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 2161603 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contians a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161602 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2161602 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The loan file is missing the required background report including a search for liens and judgments on the entity, XXXX. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161602 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file has a lender exception to allow three properties in the same neighborhood block. XXXX guidelines state cannot lend to more than two properties in the same neighborhood block. Determined non-material based on compensating factors (Waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (Waived).<br>**  |  | Compensating Factors: XXXX score XXXX, is forty points greater than minimum fico score, borrower has payment history on all mortgages of 0x30x12, DSCR greater than XXXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 2161602 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2164815 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2164815 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a background check is required on the entity through either a full background search or a Fraud guard Report along with a XXXX lien and judgment search. The file does not contain either search option for the entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164815 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2166770 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2166770 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow the purchase of subject listed as rural. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors.<br>**  |  | Compensating Factors: Excess reserves greater than XXXX months, DSCR greater than XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2166770 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2161601 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161601 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161601 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161600 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161600 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161600 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161599 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161599 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161599 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161598 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161598 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161598 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2164814 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2164814 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal reflects the subject is in a declining market, guidelines state there must be a XXXX% LTV reduction on properties in declining markets which means the max LTV/CLTV is XXXX% but the loan closed at XXXX% LTV/CLTV. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164814 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | Prior to living rent free for the past XXXX months; The final XXXX reflects the borrower lived at and owned XXXX XXXX, XXXX XXXX but the mortgage payment history for the prior XXXX months cannot be located within the loan file. Guidelines require a full XXXX month residence history and verification of payments. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached verifying documents.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164814 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines state if the borrower is living rent free, (the rent for the past XXXX months cannot be verified) then the subject cannot be within XXXX miles of the primary residence but it is XXXX miles from the primary residence. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Request to revisit. This guideline provision does not apply as the subject is tenant-occupied.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Void)<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164814 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | The rent free letter from the borrowers son could not be located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164814 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164812 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2164812 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2164812 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2161597 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2161597 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | .According to guidelines all guarantors are required to provide a limited application which includes the name, address, date of birth, Social Security Number, and citizenship, authorization for a credit report and background report, with credit scores meeting the minimum qualifying score, and Identification documentation such as a driver's license or passport for all guarantors. The loan file did not contain any of the required documentation for the non-borrowing guarantor, XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX is Title Only. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The non-Borrower, XXXX is not a guarantor, he's title only.<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> XXXX signed the guaranty because the borrower resides in a community property state. Additionally, XXXX is on the trust, and he had to "acknowledge the mortgage" in order for it to record.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX signed the Guaranty. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Please clarify why XXXX signed the Guaranty. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161597 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the loan file contains CU score under XXXX with cu score of XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161596 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2161596 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines a background check for the entity that includes a search for liens and judgments is needed. The required back ground check is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161596 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow condo project with HOA delinquency greater than XXXX%. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (waived<br>**  |  | Compensating Factors: XXXX, Cash in hand exceeds XXXX months reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2161596 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2161595 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2161595 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - HOA Dues | XXXX | The loan file contains a lender exception to allow financing on a condo where the association HOA dues are XXXX% delinquent. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (waived).<br>**  |  | Compensating factors: DSCR >XXXX, FICO XXXX points >than the minimum required |  | 2 | 2 | 3 | 2 |
| XXXX | 2161595 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines; a background check is required on the entity through either a full background search or a Fraud guard Report along with a XXXX lien and judgment search. These could not be located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See the attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2161595 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2164811 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the Loan Agreement is not signed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2164811 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term at XXXX%, the loan has a XXXX month prepayment term at XXXX%. The loan fails the prepayment test by XXXX months and for being over XXXX% per year. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2164811 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " allow to entity fee to be waived." Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (Waived)<br>**  |  | comp factors excessive reserves experienced investor dscr XXXX fico XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2164811 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU score is under XXXX at XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2164810 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2164810 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2164810 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2166768 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166768 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166768 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2161594 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161594 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a background report including a liens and judgments search is required on the borrowing entity. The loan file contained a background check with status, but the background including the liens and judgments was not located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> SEE ATTACHED THAT WAS UPLOADED WITH ORIGINAL UPLOAD- NEW ENTITY<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2161594 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2166767 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2166767 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2166767 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Repairs | XXXX | The appraisal was completed on XX/XX/XXXX as subject to a permanent heat source. A XXXXD was completed on XX/XX/XXXX reflecting a space heater plugged into a wall in the dining room. Fannie Mae does not consider this a permanent heat source, furthermore states a space heater is a health and safety concern. Please provide a XXXXD reflecting a permanent heat source and the space heater removed. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2166767 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception to allow an escrow waiver with less than a XXXX score at XXXX. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (waived).<br>**  |  | Compensating factors: DSCR >XXXX, XXXX+ mons PITI |  | 2 | 2 | 3 | 2 |
| XXXX | 2166767 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2166766 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2166766 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower 1 was XXXX%/XXXX% owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). The loan file contained the Guaranty for both guarantors. However, the loan file did not contain a XXXX) limited application that includes name, address, date of birth, social security number, and citizenship XXXX) authorization for credit report and XXXX) background check for the non-borrowing guarantor as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2166766 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2161593 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161593 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161593 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2166765 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2166765 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower 1 was XXXX%/XXXX% owner of the borrowing entity, XXXX, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (XXXX%). The loan file contained the Guaranty for both guarantors. However, the loan file did not contain a XXXX) limited application that includes name, address, date of birth, social security number, and citizenship XXXX) authorization for credit report and XXXX) background check for the non-borrowing guarantor as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2166765 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2166764 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2166764 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided for " allow to close c/o on XXXX/XXXX/ XXXXdays prior to XXXX months seasoning ." Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (Waived)<br>**  |  | comp factors experienced investor repeat client dscr XXXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2166764 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2161592 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2161592 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2161592 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2164809 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2164809 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX provided to allow impounds to be waived with a XXXX fico. Determined non-material based on compensating factors (waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non material based on compensating factors (waived).<br>**  |  | comp factors experienced Investor, LTV XXXX and assets over XXXX months |  | 2 | 2 | 2 | 2 |
| XXXX | 2164809 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2166763 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166763 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166763 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2166761 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2166761 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow cashout at less than XXXX months without being able to verify the receipts. XXXX guidelines XXXX to XXXX months are allowed purchase price plus improvements. Determined non-material based on compensating factors (Waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (Waived).<br>**  |  | Compensating Factors: XXXX score XXXX, DSCR over XXXX, LTV/CLTV XXXX%, and borrower owns four other investment properties for multiple years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2166761 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2166760 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2166760 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow DSCR financing for a property located in a Rural Market Area. XXXX guidelines state No rural properties. Determined non-material based on compensating factors (Waived). | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX non-material based on compensating factors (Waived).<br>**  |  | Compensating Factors: XXXX score XXXX, DSCR greater than XXXX, LTV is XXXX percent less than maximum LTV, repeat XXXX client. |  | 2 | 2 | 2 | 2 |
| XXXX | 2166760 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2166759 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The signature page XXXX of XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> pg XXXX of note<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2166759 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page XXXX of XXXX is missing from the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX-XXXX of sec inst.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2166759 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The borrowers were qualified with a debt reflected on the XXXX with a payment of $XXXX which was included in the DTI. The file is missing documentation to verify this debt/payment. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> placed in wrong spot, that was meant to be the EMD of $XXXX, this was a mistake. please remove. there is no additional debt for that amount . <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2166759 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Loan Amount | XXXX | The loan amount exceeds maximum allowable under the guidelines. XXXX provided for loan amount $XXXX when $XXXX is minimum. Determined non-material based on compensating factors (waived). | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (Waived).<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX non-material based on compensating factors (Waived).<br>**  |  | Compensating factors: XXXX years on job; DTI XXXX%; XXXX years at present address. |  | 2 | 2 | 3 | 2 |
| XXXX | 2166759 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160338 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160338 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160338 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160330 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160330 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160330 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160337 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160337 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160337 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2159574 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2159574 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2159574 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2164864 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2164864 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2164864 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2164863 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2164863 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. The loan file contained an appraisal report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2164863 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Number of Units | XXXX | The subject loan does not meet Program Parameters for number of units. A review of the appraisal report reflects the subject property has XXXX units. Per the lender's guidelines property types considered for financing include XXXX-XXXX unit properties. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We received an Investor exception See attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2164863 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2162524 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162524 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162524 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2164868 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164868 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Previously Listed for Sale | XXXX | Per the lender's guidelines properties that have been listed for sale within the past XXXX (XXXX) months of application date will require a LOE from the Borrower. The property was listed on XX/XX/XXXX and the listing was terminated on XX/XX/XXXX. The subject Note date is XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LOE attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2164868 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2164865 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2164865 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | XXXX date is XX/XX/XXXX with a loan amount of $XXXX and cash out of $XXXX. Original purchase date was XX/XX/XXXX with a purchase price of $XXXXk plus rehab budget of $XXXXk. 1st mortgage payoff was $XXXX. The investor guideline for properties owned less than or equal to XXXX months from acquisition date to Note date the loan amount cannot exceed the lowest of XXXX% of purchase price plus improvement cost or XXXX% of current debt or XXXX allowable $% of As is value. Cash out refinance are not available for these types of properties. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The subject property was purchased on XX/XX/XXXX and closed on XX/XX/XXXX, which is a XXXX-month hold period and should not be subject to the cash out limitation.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> It&#XXXX;s exactly XXXX months, closing date XX/XX/XXXX -> purchase date XX/XX/XXXX<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> Investor exception approval attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Section XVI.XXXX indicates cash-out is not available for ownership of XXXX months or less. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> It appears that is where the clarification is required. XXXX months or less includes exactly XXXX months. Perhaps an exception could be obtained. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2164865 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154538 | 1 of 4 | XXXX | XXXX |  | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  |  |  | 1 | 3 | 1 |
| XXXX | 2154538 | 2 of 4 | XXXX | XXXX |  | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Per guidelines, Open Judgments no on title totaling more than $XXXX must be paid in full at closing. The background check for the borrower reveals XXXX unsatisfied judgments in the amount of $XXXX in XX/XX/XXXX and $XXXX in XX/XX/XXXX. The loan file contains no evidence these were paid at closing. Please provide evidence judgments are satisfied. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see the attached judgment dismissals and search results confirming that all judgments have been satisfied.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  |  | 1 | 3 | 1 |
| XXXX | 2154538 | 3 of 4 | XXXX | XXXX |  | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The subject loan is part of a XXXX property cross collateral refinance into individual loans. The loan file contains the payoff for the entire cross collateral loan. The loan file only contains the HUD for the subject transaction. The loan file must contain all HUDs to reflect the entire payoff has been satisfied. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> All HUDs for the full cross-collateral transaction are attached, reflecting that the entire payoff has been satisfied.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  |  | 1 | 3 | 1 |
| XXXX | 2154538 | 4 of 4 | XXXX | XXXX |  | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. |  |  |  |  |  |  |  | 1 | 3 | 1 |
| XXXX | 2160341 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160341 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160341 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2164866 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2164866 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2164866 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2162523 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Pg XXXX of the loan agreement is blank/missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The attached package is complete. There are no missing pages. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documents provided are sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162523 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Guidelines require a Certificate of Good Standing (XXXX) no more than XXXX days from the XXXX date. The COGS in the file reflects a date of XX/XX/XXXX which is not within XXXX days of the Note date of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162523 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The current hazard insurance policy on the subject is missing the mortgagee clause for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The policy on file reflects XXXX in the mortgagee clause, which is the designated servicer and what we always use for these loans, so the current clause is correct as is.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162523 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162525 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162525 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Guidelines require a Certificate of Good Standing (XXXX) no more than XXXX days from the XXXX date. The COGS in the file reflects a date of XX/XX/XXXX which is not within XXXX days of the Note date of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162525 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The current hazard insurance policy on the subject is missing the mortgagee clause for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The policy on file reflects XXXX in the mortgagee clause, which is the designated servicer and what we always use for these loans, so the current clause is correct as is.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The policy on file reflects XXXX in the mortgagee clause, which is the designated servicer and what we always use for these loans, so the current clause is correct as is.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162525 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162526 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2162526 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Guidelines require a Certificate of Good Standing (XXXX) no more than XXXX days from the XXXX date. The COGS in the file reflects a date of XX/XX/XXXX which is not within XXXX days of the Note date of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162526 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The current hazard insurance policy on the subject is missing the mortgagee clause for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The policy on file reflects XXXX in the mortgagee clause, which is the designated servicer and what we always use for these loans, so the current clause is correct as is.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2162526 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160339 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160339 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160339 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153134 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153134 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153134 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153131 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153131 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | According to guidelines a satisfactory letter of explanation is required for credit event such as a bankruptcy. The loan file indicates the borrower filed a chapter 7 bankruptcy that was discharged XX/XX/XXXX; however, no explanation letter was provided in the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> BK LOX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2153131 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160324 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160324 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160324 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160335 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160335 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Three months reserves or $XXXX were required to be verified. The final XXXX reflects assets available with XXXX in the amount of $XXXX. The file is missing the asset statements to verify required reserves. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX STMTS<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160335 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160323 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The development name listed on the PUD Rider, "XXXX," does not match the PUD name referenced in Title or the Purchase Agreement, "XXXX". | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Corrected PUD Rider with Letter of Intent<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Corrected re recorded Mtg<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clearthe finding. The LOI and corrected PUD rider have been provided; the LOI cannotbe used to cure the finding; please provide evidence of re-recording. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160323 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160323 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160340 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160340 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160340 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160331 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160331 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160331 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160333 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160333 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160333 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160322 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Note was executed in conjunction with the Loan Agreement; however, the Loan Agreement is missing in the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Loan Agreement <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ;enders signature on L/A<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The information provided is not sufficient to clear the finding. The Note references the loan agreement on pg. XXXX and XXXX of the executed Note. Please provided the Loan Agreement for review or a new executed Note without reference to Loan Agreement. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The borrower signed loan agreement has been provided, however is missing the lender signature where indicated on page XXXX. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> XXXX confirmed no provisions not mentioned in the note<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160322 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Continuity of Obligation | XXXX | The subject transaction was a rate/term refinance of an investment property. For a refinance transaction continuity of obligation is met when at least one borrower is obligated on the new loan who was also a borrower obligated on the existing loan being refinanced. Per the lender's guidelines if the property was owned prior to closing by a limited liability corporation (XXXX), partnership), or corporation that is majority-owned or controlled by the borrower(s), the time held by the entity may be counted towards meeting the borrower's XXXX-month ownership requirement. The title, VOM and payoff reflect the property was held in the name of XXXX prior to closing. The loan file does not contain any documentation to support XXXX is controlled by and/or majority-owned by the borrower. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160322 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2145913 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145913 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145913 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2139808 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2139808 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Continuity of Obligation | XXXX | The subject transaction was a rate/term refinance of an investment property. For a refinance transaction continuity of obligation is met when at least one borrower is obligated on the new loan who was also a borrower obligated on the existing loan being refinanced. Per the lender's guidelines if the property was owned prior to closing by a limited liability corporation (XXXX), partnership), or corporation that is majority-owned or controlled by the borrower(s), the time held by the entity may be counted towards meeting the borrower's XXXX-month ownership requirement. The title, VOM and lease agreement all reflect the property was held in the name of XXXX prior to closing. The loan file does not contain any documentation to support XXXX is controlled by and/or majority-owned by the borrower. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX DOCS<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> XXXX doc<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX's XXXX documentation received. XXXX docs required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2139808 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160336 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160336 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160336 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2145902 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement, referenced in the note, is missing from the loan fie | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Loan Agreement and Exhibit B<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2145902 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | Additional Finding: XX/XX/XXXX. The following section(s) of the Note is incomplete: The Loan agreement is not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2145902 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2145902 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160325 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160325 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160325 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160326 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160326 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160326 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160327 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160327 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160327 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160468 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160468 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state All Perils or meet one of the options provided in overlay to Correspondent. The hazard insurance policy in file did not reflect any perils coverage as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> rental dwelling policy with XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> XXXX insurance <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> All perils are not referenced. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2160468 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The subject loan does not meet Program Parameters for Property Type. The origination appraiser reflected the subject property is a rural property. Lender guidelines indicate rural properties are not eligible for the DSCR program. The subject loan does not meet program parameters. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please waive.<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Waiver uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Exception must be granted by Investor. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | XXXX. XXXX% LTV. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2160468 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165787 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: XXXX Trust Rider is provided; however, page XXXX of the Security Instrument does not indicate that the rider is attached. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> SI<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2165787 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - LE/Revised Delivery Date (after issue of CD) | XXXX | The loan failed the Revised Loan Estimate delivery date test (after issuance of Closing Disclosure). The revised Loan Estimate issued on XX/XX/XXXX is on the same date of the Closing Disclosure issued on XX/XX/XXXX. Truth in XXXX (Regulation Z) 12 CFR 1026.19(e) (XXXX)(ii) |  |  |  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2165787 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2165787 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2165788 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165788 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Gift Letter - No Evidence of Funds | XXXX | No evidence of the transfer of gift funds from the donor to the borrower was located in the file as required per final AUS. Without the gift funds the borrowers would be short verified assets of -$XXXX. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: $XXXX monthly residual income, XXXX qualifying credit score, 0x30x55 mortgage history, job stability of XXXX years<br>**  | XXXX. $XXXX per month residual income. |  | 3 | 2 | 3 | 2 |
| XXXX | 2165788 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165789 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. (12 CFR §1026.19(f)(1)(ii)) | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CD sent electronically<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please escalate - this is a Near Miss finding and should not have been released. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The E-receipt provided discloses a presumed received date of XX/XX/XXXX; this is not XXXX day prior to consummation on XX/XX/XXXX. Please provide evidence of receipt. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Please provide more details as to what a near miss finding is referring too. Disclosures that are electronically sent will followthe mailing rule per 1026.19(f)(1)(iii)-XXXX unless evidence is provided theconsumer actually received it as evidence by viewing/acknowledging thedocument. Evidence the borrower received the document is required. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2165789 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Source | XXXX | A gift of equity letter in the amount of $XXXX was provided from the seller of the subject and the final Closing Disclosure reflected receipt of the gift of equity. XXXX was the borrower's XXXX. Per the investor guidelines, gifts of equity are ineligible and gift funds are ineligible if the donor is also the seller of the subject property. XXXX of equity is an ineligible source of funds. It should be noted that the borrower has sufficient personal funds to support the required funds for closing and reserves without the gift of equity. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **Buyer Comment 1 (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive: XXXX years job stability, XXXX months job stability, $XXXX monthly residual income. 0x30x45 mortgage history<br>**  | XXXX. XXXX% LTV. $XXXX per month residual income. |  | 3 | 2 | 3 | 3 |
| XXXX | 2165789 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Pay Stubs Missing | XXXX | A handwritten VOE was provided to support the qualifying income with copies of XXXX and XXXX W2's and paystubs from year ending XXXX. The investor guidelines reflected a handwritten VOE was eligible provided the XXXX's and paystubs are provide in accordance with the AUS. Current year to date paystub was not provided as required to support the current base and bonus income. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Invalid - this was cured with it was under XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX provided is within XXXX days of the original application and within XXXX days of the Note. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2165789 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2165790 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165790 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165790 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165791 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - LE/Revised LE Delivery Date (prior to consummation) | XXXX | The loan failed the Revised Loan Estimate delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LE sent electronically <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> This needs to be escalated - This is the Near Miss finding - please have this re-reviewed <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Clarification on the original timing issue; an LE was issued on XX/XX/XXXX and a CD was also issued on XX/XX/XXXX. Per 1026.19(e)(4) The creditor may not provide and LE on or after the date it provides the CD. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Please provide more details as to what a near miss finding is referring too. Disclosures that are electronically sent will followthe mailing rule per 1026.19(f)(1)(iii)-XXXX unless evidence is provided the consumer actually received it as evidence by viewing/acknowledging thedocument. Evidence the borrower received the document is required. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2165791 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the revised LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: Points - Loan Discount Fee. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LE sent electronically <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> This needs to be escalated - This is the Near Miss finding - please have this re-reviewed <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Clarification on the original timing issue; an LE was issued on XX/XX/XXXX and a CD was also issued on XX/XX/XXXX. Per 1026.19(e)(4) The creditor may not provide and LE on or after the date it provides the CD. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Please provide more details as to what a near miss finding is referring too. Disclosures that are electronically sent will followthe mailing rule per 1026.19(f)(1)(iii)-XXXX unless evidence is provided the consumer actually received it as evidence by viewing/acknowledging thedocument. Evidence the borrower received the document is required. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2165791 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2165791 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2165792 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165792 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165792 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165793 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - LE/Revised Delivery Date (after issue of CD) | XXXX | The loan failed the Revised Loan Estimate delivery date test (after issuance of Closing Disclosure). The Revised Loan Estimate issued on XX/XX/XXXX was issued the same day as the initial CD issued (XX/XX/XXXX). Truth in XXXX (Regulation Z) 12 CFR 1026.19(e)(4)(ii) |  |  |  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2165793 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the revised LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increase: Points (XX/XX/XXXX). A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. |  |  |  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2165793 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2165793 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. LCA Risk Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2165794 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165794 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165794 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165795 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - LE/Revised LE Delivery Date (prior to consummation) | XXXX | The loan failed the Revised Loan Estimate delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. > | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> econsent XX/XX/XXXX - LE sent via XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please escalate for review. This is a Near Miss, and this was the finding that was not cured and should not be issued again. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Clarification on the original timing issue; an LE was issued on XX/XX/XXXX and a CD was also issued on XX/XX/XXXX. Per 1026.19(e)(4) The creditor may not provide and LE on or after the date it provides the CD. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Please provide more details as to what a near miss finding is referring too. Disclosures that are electronically sent will followthe mailing rule per 1026.19(f)(1)(iii)-XXXX unless evidence is provided the consumer actually received it as evidence by viewing/acknowledging thedocument. Evidence the borrower received the document is required. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2165795 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2165795 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2165796 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - LE/Revised Delivery Date (after issue of CD) | XXXX | The loan failed the Revised Loan Estimate delivery date test (after issuance of Closing Disclosure). The Revised Loan Estimate issued on XX/XX/XXXX was issued the same day as the initial CD (XX/XX/XXXX). Truth in XXXX (Regulation Z) 12 CFR 1026.19(e)(4)(ii) |  |  |  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2165796 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2165796 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score of XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2165797 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Lender NMLS Missing or Inaccurate | XXXX | The XXXX Officer contact name disclosed on the CD issued on XX/XX/XXXX does not match the NMLS Registry site. |  |  |  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2165797 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - LE/Revised LE Delivery Date (prior to consummation) | XXXX | The loan failed the Revised Loan Estimate delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. Truth in XXXX (Regulation Z) 12 CFR 1026.19(e)(4)(ii) | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> eConsent XX/XX/XXXX - Evidence LE was sent electronically XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The e-receipt of the revised LE issued on XX/XX/XXXX was received on XX/XX/XXXX. The receipt date for the revised LE issued on XX/XX/XXXX has not been provided. Please provide receipt for the revised LE issued on XX/XX/XXXX. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2165797 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2165797 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2160332 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160332 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160332 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153135 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153135 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153135 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160328 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160328 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160328 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2159538 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | HOC - Missing | XXXX | The Homeownership Counseling Disclosure (HOC) is missing. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2159538 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. The loan reviewed contains a note dated more than XXXX months old, outside the applicable statute of limitations. | Resolved |  |  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2159538 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The loan is short reserves and funds to close of $XXXX. Total assets required total $XXXX ($XXXX EMD + $XXXX cash to close + $XXXX reserves) Guidelines require XXXX month reserves for the subject property totaling $XXXX. The loan file contains proof of assets from XXXX totaling $XXXX, resulting in a shortage of $XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Mitigant on approval shows $XXXXk in winnings not reflected on statements. As a public figure in an all knowing public world of sports earnings, the approving parties at the bank moved forward with this file.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation of the winnings and deposit would be required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, Current LTV XXXX%, XXXX% DTI, $XXXX monthly residual income<br>**  | Noted Compensating factors: As agreed pay history life of loan, Current LTV XXXX%, XXXX% DTI, $XXXX monthly residual income |  | 3 | 2 | 3 | 2 |
| XXXX | 2159538 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower - Residency Alien Documentation | XXXX | The borrower indicates Non-Permanent Resident Alien status; however, the file contains no evidence documenting status. Additionally, guidelines only reflect US citizens and permanent resident alien are permitted. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> No rebuttal being submitted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Finding remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: As agreed pay history life of loan, Current LTV XXXX%, XXXX% DTI, $XXXX monthly residual income<br>**  | Noted Compensating factors: As agreed pay history life of loan, Current LTV XXXX%, XXXX% DTI, $XXXX monthly residual income |  | 4 | 2 | 3 | 2 |
| XXXX | 2159538 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | FEMA | XXXX | FEMA Declaration declared XX/XX/XXXX for XXXX Hurricane XXXX [DR-XXXX-XXXX] with an incident period of XX/XX/XXXX – XX/XX/XXXX which is after the original appraisal date XX/XX/XXXX. Please provide Property Inspection to confirm no damage. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> PDI provided does not belong to the subject property. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> PDI received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>XXXX (XX/XX/XXXX XX:XXPM)<br> PDI uploaded<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2159538 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 2nd AVM provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> AVM provided supports the origination value within 10%. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154531 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154531 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154531 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160469 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160469 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160469 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023933 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023933 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2023933 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158332 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158332 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Adverse Credit | XXXX | Lender exception in the loan file for XXXX XXXX day late on the XXXX #XXXX mortgage from XXXX/XXXX. Account was transferred to a new servicer but autopay was not transferred. Client to approve downgrading finding based on compensating factors. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception not required. One XXXX day late is allowed. (Void)<br>**  |  | Compensating Factors: Good reserves XXXX months- Industry XXXX+ years- Strong residual income + $XXXX monthly. |  | 1 | 1 | 1 | 1 |
| XXXX | 2158332 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2112644 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2112644 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for cash-out. The closing disclosure reflected a payoff of a second mortgage opened XX/XX/XXXX. Per the lender's guidelines a cash-out refinance is not eligible if there has been a prior cash-out transaction within the past XXXX (XXXX) months. Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | Compensating factors: Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years; Borrower has real estate investment experience as seasoned investor with more than XXXX prior investments displaying at least 0x30x12 pay history |  | 3 | 1 | 3 | 1 |
| XXXX | 2112644 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject transaction was a cash-out refinance of an investment property which closed in the name of XXXX XXXX. Per the lender's the requirements to take title as an XXXX a Certificate of Good Standing or equivalent document must be obtained. A Certificate of Good Standing was not obtained. Per the certificate the license was revoked for failure to pay annual reports on XX/XX/XXXX as of XX/XX/XXXX the certificate had not been reinstated. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> COGs provided<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> COGs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> COGS still reflects revoked for failure to pay annual reports. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2112644 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141280 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141280 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the lien search for the borrower. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX search<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX search for the property was provided. XXXX search for the borrower is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141280 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156819 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156819 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156819 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160485 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160485 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. Bank statements for reserves need to be dated within XXXX days of the note and no more than XXXX days before the date of the XXXX. The most recent statements provided end XX/XX/XXXX which is more than XXXX days from the note date of XX/XX/XXXX. Borrower is also short assets for reserves and cash-out proceeds cannot be used as reserves per the guidelines section XXXX | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Section XXXX states that cash-out proceeds may be used for reserves. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160485 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2122533 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2122533 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2122533 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2117032 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Title Examination. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ILE baseline fees = $XXXX \* XXXX% Total = $XXXX Fees are within tolerance<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2117032 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | XXXX, HOI policy must specifically state "All Perils" or meet one of the three options provided in overlay to Correspondent. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Investor approved to resolve overlay as correspondent will take on the risk under reps and warrants. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2117032 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2110699 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2110699 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2110699 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144679 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144679 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144679 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2126952 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX% the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126952 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. Loan closed on XX/XX/XXXX, non-borrowing spouse's signature says XX/XX/XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> re-recorded<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126952 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Discount points. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CD<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation was not received. Please re-submit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2126952 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2126952 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2123299 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX month prepayment term; the loan has a XXXX-month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2123299 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2123299 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2131391 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Assignment of Leases and XXXX does not accurately reflect the Entity name as the borrower on page XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> DOT<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131391 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2131391 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129533 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The borrower is an entity. The 1st page of the Assignment of Rents lists the borrower as an Individual; the entity name should be listed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> MTG<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2129533 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2129533 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133451 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The mortgage was dated XX/XX/XXXX and the date the borrower signed reflects XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> proc cert<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133451 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Assignment of Leases and XXXX disclosed the individuals as Assignors on Page XXXX, the Entity should be disclosed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ALR rider correction<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2133451 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2133451 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2136026 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower name on the Security Instrument is inconsistent. The Assignment of Lease and Rents Rider lists the borrowers in their individual name, however the borrower is the entity. The borrowers name to be corrected to reflect the entity name and not the individuals. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Mortgage and ALR re-recorded<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2136026 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2136026 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142405 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142405 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142405 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160488 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160488 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required XXXX to validate value or required repairs. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160488 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2132221 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Assignment of Leases and XXXX does not accurately reflect the Entity name as the borrower on page XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> DOT<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132221 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The Note was dated XX/XX/XXXX. The lender guidelines and underwriting conditional approval required a gap credit or undisclosed debt monitoring report no more than XXXX days prior to the loan closing or any time after closing. The undisclosed debt monitoring report was not provided as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2132221 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2137673 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The borrower is an entity. The 1st page of the Assignment of Rents lists the borrower as an Individual; the entity name should be listed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2137673 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The Lender's guidelines require EIN/W9 for an XXXX. Despite this requirement, the loan file did not contain the EIN/W9. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2137673 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2131389 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Inaccurate | XXXX | The Note was not completed correctly. The Prepayment Addendum was signed as an individual, but it should have been signed under the entity to match the Note. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131389 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The borrower is an entity. The 1st page of the Assignment of Rents lists the borrower as an Individual; the entity name should be listed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> DOT<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131389 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed correctly. The Prepayment Rider was signed as an individual, but it should have been signed under the entity to match the Security Instrument. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> DOT<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2131389 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2131389 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156857 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156857 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156857 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141272 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Assignment of Leases and XXXX has the individual listed as the borrower on Pg XXXX rather than being the Entity as signed on Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> re-recorded<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> recorded<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documents not received. Please resubmit. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2141272 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2141272 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152712 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Assignment of Leases and XXXX have the individual listed as the borrower on Pg XXXX rather than being the Entity as signed on Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> DOT rerecorded<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2152712 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The lender provided an exception to allow for an expired credit report. Considered non-material based on compensating factors (waived) | Waived |  |  |  | Compensating Factors: Low LTV, XXXX mos reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2152712 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160494 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160494 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160494 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160493 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160493 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160493 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154899 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2154899 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the Guaranty Agreement. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> agmt<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154899 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160002 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160002 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160002 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165405 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165405 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented. The loan application reflects the investment property at XXXX was being rented for $XXXX per month. Per the lender's guidelines rental income may be considered provided the following documentation is obtained: A copy of the current lease or rental agreement and three (XXXX) months of proof of the receipt of rental income. A lease agreement was not in the loan file. Omitting the rental income results in a DTI of XXXX% which exceeds the maximum allowable DTI of XXXX%. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165405 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163432 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX is dated XXXX/XXXX - the property was updated to PUD causing the increase in appraisal - attached is the COC from XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2163432 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan was a cash out refinance of a second home using the bank statement program; however, the loan file did not contain an executed Business Narrative Form as required per the guidelines. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This is a TRID loan <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted Compensating factors: XXXX% DTI, $XXXX residual income, $XXXX reserves, XXXX% LTV, 0x30x80 mortgage history<br>**  | XXXX% DTI, $XXXX residual income, $XXXX reserves, XXXX% LTV, 0x30x80 mortgage history |  | 3 | 2 | 3 | 2 |
| XXXX | 2163432 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165406 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165406 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165406 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155519 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155519 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Condo - Liability Insurance | XXXX | XXXX in file as the subject property is within a XXXX-unit condominium project and the master insurance policy is insufficient . The HOA does not have a master crime/ fidelity policy and fidelity coverage is required for condominium projects with >XXXX units. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX Fico, XXXX months PITI Reserves, Experienced Investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2155519 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The guidelines indicate a Certificate of Good Standing or equivalent document required. The loan file is missing a Certificate of Good Standing for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> COGs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155519 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The guidelines indicate a copy of the fully executed operating agreement reflecting the borrower is an authorized signer on behalf of the XXXX and has the power to first mortgage the security property for the purpose of securing a loan. The loan file contains an unexecuted copy of the operating agreement for XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> OA Provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155519 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2148776 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2148776 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The lease agreement and the appraisal indicated the subject property was currently being rented by a family member of the borrower. Lender guidelines state properties leased to family members are not eligible for the DSCR program, as such arrangements are not considered business purpose. The subject loan does not meet program parameters. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: $XXXX qualified reserves, XXXX% LTV, XXXX mortgage history<br>**  | XXXX. XXXX% LTV. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2148776 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155522 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155522 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The guidelines indicate assets from the borrower's business are acceptable source of funds for the down payment, closing costs, and reservesprovided the borrower must have authority to access and withdraw funds (borrower or all borrowers combined must own XXXX% of the business) or shared ownership requires an access letter from the partners allowing the use of the business funds by the borrower. The XXXX provided business assets for XXXX held in XXXX Business Checking #XXXX as eligible assets for closing and reserves. The XXXX provided an Operating Agreement for XXXX to support ownership interest and access to funds, however, the Operating Agreement is not executed by the XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155522 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156820 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156820 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156820 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158341 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Master Insurance on XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Documentation was received on XXXX/XXXX and that is when the COC was also sent out for this new fee <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The COC states the fee was added but does not provide a valid reason, only that a change occurred. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158341 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158341 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XXXX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158300 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158300 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The guidelines indicate an XXXX% max LTV for the purchase of a Rural property. The appraisal indicates the subject property as Rural and the loan closed with a XXXX% LTV. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, XXXX% DTI, $XXXX monthly residual income, $XXXX reserves, prior mtg history dated XXXX/XXXX was XXXXx3099 months<br>**  | XXXX qualifying credit score, XXXX% DTI, $XXXX monthly residual income, $XXXX reserves, prior mtg history dated XXXX/XXXX was XXXXx3099 months |  | 3 | 2 | 3 | 2 |
| XXXX | 2158300 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155527 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155527 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements were not verified in the file. Per the lender's guidelines XXXX months reserves are required due to an escrow waiver totaling $XXXX (XXXX x PITI $XXXX). The total documented assets were $XXXX minus POCs, EMD and cash to close totaling $XXXX which resulted in remaining assets of $XXXX for reserves. As a result, there was a $XXXX shortage of verified funds for reserves. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155527 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155535 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155535 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155535 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152698 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2152698 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for a XXXX unit property with XXXX unit being less than 500sqft. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: XXXX, XXXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2152698 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2144669 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144669 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144669 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2148778 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower is an entity. The 1st page of the Assignment of Rents lists the borrower as an Individual; the entity name should be listed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> rerecorded<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The recorded Mortgage has been provided; however, the corrected Assignment of Leases and Rents has not been recorded. Evidence of re-recording is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2148778 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2148778 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2148778 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160497 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160497 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160497 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153257 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153257 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The borrower is XXXX; however, page XXXX of the XXXX states the borrower is XXXX. The borrower should be listed as the entity. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153257 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153257 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The Loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156825 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156825 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156825 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2142433 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Assignment of Leases and XXXX has the individual listed as the borrower on Pg XXXX rather than being the Entity as signed on Pg XXXX. | Void |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> finding voided.<br>**  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2142433 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Alerts | XXXX | The credit report contain alerts which have not been adequately addressed in the loan file. The origination credit report reflected a Fraud Alert for potential indent theft and the loan file did not contain a FACTA Fraud Alert Verification Form confirming the borrower's identity as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> form<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142433 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The loan file did not contain a Certificate of Good Standing for the borrowing entity, XXXX, as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cert<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2142433 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156833 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the first XXXX prohibited fees test. (XXXXS.A. §XXXX:11C-XXXX, XXXXA.C. §§XXXX:XXXX-XXXX) The loan does charge fee(s) not provided for in this act, which is prohibited. A mortgage broker shall have the right to charge only the following fees: (XXXX) application fee; and (XXXX) a broker fee. A mortgage lender shall have the right to charge only the following fees: XXXX. Application fee XXXX. Origination Fee XXXX. Lock in fee XXXX. Commitment Fee XXXX. Warehouse Fee XXXX. Discount Points. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2156833 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other/Missing | XXXX | The subject transaction is the purchase of a primary residence utilizing the XXXX-month business bank statement program. The loan file is missing the XXXX #XXXX XXXX XXXX bank statement. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX% DTI, $XXXX verified reserves, Self-employed XXXX years, 0x30x99 mortgage history<br>**  | XXXX% DTI, $XXXX verified reserves, Self-employed XXXX years, 0x30x99 mortgage history |  | 3 | 2 | 3 | 2 |
| XXXX | 2156833 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165410 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165410 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165410 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141248 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141248 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2141248 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156845 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2156845 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The subject transaction is the purchase of a primary residence. The loan application reflected the borrower was selling the departure residence (XXXX) and using the net proceeds to purchase the subject property. Per the lender's guidelines if the proceeds from the sale of a currently owned home are needed for the down payment and closing costs on the new house, the source of funds must be verified by a fully executed settlement statement. The loan file only contained an estimated unsigned settlement statement. The estimated CD did not reflect the payoff for the second mortgage with XXXX. Additionally, the loan file contained a LOE and documentation from the XXXX which reflected the borrower was in the process of a divorce, as a result, it is unclear how much of the net proceeds the borrower received. A fully executed settlement statement was not provided as required. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Ledgers from escrow office showing REO proceeds $XXXX (XXXX) transferred to this loan, XXXX. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156845 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160001 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2160001 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Assignment of Rents is missing the name of the entity on first page. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> re-recorded<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> DOT provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The recorded Mortgage has been provided; however, the corrected Assignment of Leases and Rents has not been recorded. Evidence of re-recording is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2160001 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160001 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163433 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163433 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163433 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144676 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2144676 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Lien Position | XXXX | The Title Commitment reflects exceptions that will affect the subject loan's clear XXXX position. The Title Commitment in file reflected a Judgement with the XXXX in the amount of $XXXX, and the loan file did not contain any documentation confirming the judgement was satisfied at or prior to closing as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144676 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144675 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2144675 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Lien Position | XXXX | The Title Commitment reflects exceptions that will affect the subject loan's clear XXXX position. The Title Commitment reflected a Judgment with the XXXX in the amount of $XXXX, and the loan file did not contain any documentation confirming the judgement was satisfied at or prior to closing as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2144675 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144429 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Name Discrepancy | XXXX | The borrowers' name on the XXXX does not appear to match loan documents and a Name Affidavit was not provided. The borrower is an entity. The borrowers name on page one of XXXX is XXXX when it should be listed as XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Attached <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is not sufficient to clear the finding. The Name Affidavit has been provided. Theloan agreement was signed correctly by the borrower on the signature lines;however, the borrow is an Entity and the Individuals name is disclosed on pg. 1and throughout the document, it will need to be updated to disclose theborrowers name as the Entity. The Note is signed correctly as a member of theentity; however, the Note PPP addendum is signed as an Individual and needs tobe corrected to signing as a member of the entity. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The recorded. corrected Mortgage and corrected PPP to the Note have been provided and acceptable. Please provided the corrected Loan Agreement for review. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144429 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan closed in the name of an XXXX with XXXX owners. The loan file did not contain proof the non borrowing owner was a US Natural person and the loan file did not contain an OFAC search for the other owner with XXXX% ownership as required per guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Other owner signed docs to acknowledge transaction only <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing evidence of citizenship. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2144429 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156840 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156840 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance - All Perils | XXXX | Lender guidelines require the HOI policy must specifically state All Perils. The loan file contained an Insurance binder for the subject property documenting coverages; however, the binder did not contain any information regarding covered perils as required. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> this is no longer a requirement, please waive. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Not a requirement for the XXXX. (Void)<br>**  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156840 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155549 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2155549 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2155549 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163436 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2163436 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception in file as the subject loan does not meet Program Parameters for living rent free. The XXXX reflects the borrower has no primary housing expense. Per the lender's guidelines borrowers who live rent-free or without a complete XXXX-month housing history are allowed with a maximum LTV of XXXX%. The subject loan closed at XXXX% LTV. The loan file contained an exception form dated XX/XX/XXXX which reflected the exception was approved. However, a second exception form dated XX/XX/XXXX was also in the loan file which reflected the exception was denied. Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | Compensating factors: FICO higher than XXXX and at least XXXX points higher than guidelines minimum; XXXX less than XXXX% and at least XXXX% less than guideline maximum. |  | 3 | 1 | 3 | 2 |
| XXXX | 2163436 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165411 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2165411 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Appraisal fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This was a transferred appraisal charged by another lender, no cure is needed <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165411 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | Credit Report - Other. There are additional credit findings. The loan file did not contain a gap credit report or Undisclosed Debt Monitoring report, dated no more than XXXX days prior to loan closing or any time after closing as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UDM provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165411 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153261 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153261 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153261 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153259 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153259 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153259 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153274 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: Final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HUD provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153274 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | Additional Finding: XX/XX/XXXX. It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153274 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2153274 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HUD provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2153274 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144448 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2144448 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not independently verified. The loan application reflects a new HELOC on XXXX for $XXXX with a monthly payment of $XXXX. The loan file contained a copy of the note reflecting the principal and interest payment along with a property report reflecting property taxes. However, documentation to confirm the homeowners' insurance payment was not in the loan file. Per the lender's guidelines the existing property PITIA (principal, interest, taxes, insurance, and HOA dues) payment must be counted as part of the borrower's recurring monthly debt obligations. The loan file did not contain documentation to verify the HOI monthly payment. Additional conditions may apply. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX XXXX has a HELOC. Insurance would be a requirement. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, XXXX% DTI, $XXXX reserves, self-employed XXXX years, 0x30x99 mortgage history<br>**  | XXXX qualifying credit score, XXXX% DTI, $XXXX reserves, self-employed XXXX years, 0x30x99 mortgage history |  | 3 | 2 | 3 | 2 |
| XXXX | 2144448 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for housing history. The subject transaction is the purchase of a primary residence. The XXXX reflects the borrower currently rents his primary residence for XXXX years at XXXX. The loan file contains a lease agreement for XXXX. Per the lender's guidelines the most recent XXXX months housing payment history (mortgage and/or rent) must be verified and documented when not shown on the credit report. Additional conditions may apply. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted Compensating factors: XXXX qualifying credit score, XXXX% DTI, $XXXX reserves, self-employed XXXX years, 0x30x99 mortgage history<br>**  | XXXX qualifying credit score, XXXX% DTI, $XXXX reserves, self-employed XXXX years, 0x30x99 mortgage history |  | 3 | 2 | 3 | 2 |
| XXXX | 2144448 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156818 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156818 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156818 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160000 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160000 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | The guidelines indicate Business Assets are eligible for closing costs/reserves if the borrower has authority to access and withdraw funds (borrower or all borrowers combined must own XXXX% of the business) or shared ownership requires an access letter from the partners allowing the use of the business funds by the borrower. Business Assets from XXXX Checking #XXXX for XXXX was used for closing costs/reserves. The loan file contains Articles of Organization naming the Borrower as the Registered Agent and Entity Manager; however, documentation (operating agreement etc.) was not provided to support the Borrowers ownership percentage in XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160000 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The guidelines indicate an Exception is required for a DSCR < XXXX. The loan closed with a XXXX% DSCR . The loan file is missing a Lender Approved Exception for a DSCR < XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> exception no longer needed - DSCR is over XXXX<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> exception no longer needed - DSCR is over XXXX; exception cancelled<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Please clarify. DSCR is .XXXX. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Please provide your calculation. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160000 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2148772 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2148772 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2148772 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144458 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144458 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2144458 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163871 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163871 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163871 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158304 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158304 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158304 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154904 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154904 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154904 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154903 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154903 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The guidelines indicate properties without carbon monoxide (XXXX) detectors and smoke detectors require a borrower attestation and photo of installation. The XXXX indicted the subject property was missing carbon monoxide (XXXX) detectors and smoke detectors. The loan file is missing a borrower attestation and photo of installation. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX is marked &#XXXX;as is&#XXXX;<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> docs pro0vided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The appraiser called out missing detectors, which are required by guidelines. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154903 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The purchase agreement dated XX/XX/XXXX, initially contained "repair contingencies" that were not addressed by the XXXX, to include; "XXXX to address and fully remediate the guardrails, knockout cover, cover plates, light fixture, plumbing leak, gas pipe, plumbing slope, floor sagging and the floor post." The loan file contains an amendment to the purchase agreement dated XX/XX/XXXX, removing the repair contingencies. Appraisal photos indicate the guard rails have been installed; however, the plumbing leak, gas pipe issues, plumbing slope and floor sagging can be a potential hazard/safety issue and should have been addressed and/or investigated at origination. It should be noted; It appears the bottom unit does have windows installed, and the XXXXrding is just for reinforcement to secure the property. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> he appraiser is only required to address repair items on purchase contract that impact health, safety, livability or structural concerns. Often times plumbing leaks and pipe concerns are typical on purchase contracts and only need to be addressed if the appraiser observed obvious deficiencies that would impact the structural integrity or safety of the home. Additionally, the subject is XXXX years old so minor concerns with flooring are typically expected. Per the appraisal, there is no evidence to conclude that the appraiser felt "unsafe" per performing an inspection of the property. The appraiser completed the report as required confirming the appraiser attested to analyzing the purchase contract and noted no other physical deficiencies other than the lack of safety detectors. The appraiser specifically indicated "There were no conditions noted which would affect livability, soundness, or structural integrity of the property." Based on this information, to go back to the appraiser for items listed on the purchase contract would be considered as unwarranted.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX was "As-Is". (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154903 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160016 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160016 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX in the file as the subject loan does not meet Program Parameters for minimum DSCR ratio. The subject loan is a first time investment purchase of a newly built investment property with a LTV of XXXX%, a credit XXXX, and a DSCR ratio of .XXXX. The PITI for the subject property is $XXXX and the Appraisers Rent Schedule reflects $XXXX as the Market Rent, bringing the DSCR ratio to .XXXX. which is below the program guidelines of XXXX for first time investors. It should be noted that the compensating factor the lender provided was the housing payment history is 0x30x24 or better. The loan file did not contain any documentation verifying a housing history, and in fact contained no evidence the borrower has owned any real estate in the last XXXX years; therefore the lenders compensating factor is invalid. Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception reflects borrower is an experienced Investor, which is not documented. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  | Comp Factors- Borrowers own funds reserves $XXXX/XXXX months, which is XXXX months over the min required of XXXX months. Cash to close $XXXX - gift funds from spouse $XXXX ($XXXX EMD) - no other compensating factors were identified |  | 3 | 1 | 3 | 1 |
| XXXX | 2160016 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The subject loan is a purchase of an investment property under the DSCR loan program with an LTV of XXXX%. The loan application reflects the borrower owns the primary residence; however, the real estate property details for the primary does not reflect the borrower as on title. The loan file also contains a Letter of Explanation from the borrower stating her husband hold the mortgage note and is the sole owner of the mortgage. In addition, the credit report reflects accounts seasoned since XXXX with no trades being mortgage accounts, and the Fraud Report does not reflect any REO properties owned. Based on file documentation it appears the borrower is a first time homebuyer for the purchase of the subject property. First Time Homebuyers are not permitted under the lender DSCR program guidelines; therefore, the subject loan is an ineligible transaction. \*\*\*additional conditions may apply \*\*\* | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception provided is not for a first time homebuyer. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160016 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158342 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the XXXX prohibited lender fees test. This test includes the following fees: Collateral Desktop Analysis Fee $XXXX, Lender Fee $XXXX, Preparation of Notice of Settlement Fee $XXXX, Tax Certificate Fee $XXXX, Title-Document Storage/Archive/Copies $XXXX. The loan fails the prohibited fees test by $XXXX. (N.J.S.A. §XXXX:11C-XXXX, N.J.A.C. §§XXXX:XXXX-XXXX) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2158342 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report date is XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit report or Debt Monitoring report no more than XXXX days prior to the loan closing or anytime after closing. The file does contain a Debt Monitoring report reflecting as of date of XX/XX/XXXX; however, not within XXXX days of the closing date XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> new debt already reflected on XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158342 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158301 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX does not allow for a prepayment term on a Fixed Rate loan to individuals. The loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an individual. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2158301 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158301 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2155533 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the final binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2155533 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The guidelines indicate a current mortgage/rental history is required. Current means the borrower(s) have made all mortgage payments due in the month prior to the note date and are current as of the application date. The Borrower has a 1st XXXX mortgage and a Heloc on their primary residence. The loan file is missing evidence the XX/XX/XXXX payment due on the XXXX was made. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155533 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158311 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Second Appraisal Fee, CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required, of which $XXXX was cured and $XXXX is still needed. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> coc<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158311 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The appraisal AND XXXXD are in the name of XXXX; Guidelines state a transferred appraisals and XXXXD's are acceptable but both need to be a PDF color copy, a copy of the AIR Cert, and it must be XML Version of the appraisal. These items could not be located within the loan file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> app docs<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158311 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163434 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163434 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163434 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156821 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156821 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156821 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156822 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | ROR - Timing | XXXX | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3)). The funding date, XX/XX/XXXX is before the third business day following consummation, XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Final settlement stmt<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> PCCD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Final HUD has been provided. Please provide a PCCD with updated dates and fees along with an LOE to the borrower. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156822 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156822 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160489 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160489 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160489 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155560 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: Page XXXX of the Loan Agreement was completed incorrectly. The borrower is an entity, but the agreement lists the borrower as a natural person. Additionally, the loan agreement is not executed by the borrower or notary. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Note does not reference the loan agreement, please confirm this is still needed <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Pg. XXXX of the Loan Agreement has been corrected. However, the executed Agrrement by the borrower and Lender notarized is missing. , (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155560 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing background check | XXXX | The guidelines indicate an OFAC search is required for borrowers, guarantors and any member of the borrowing entity owning XXXX% or more of the XXXX. The Operating Agreement provided, reflects XXXX holds XXXX% interest in XXXX. The loan file is missing a clear OFAC Search for XXXX. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This is not needed as he is not on vesting; we don&#XXXX;t run a fraud report for someone not signing documents<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> fraud provided with OFAC review of other owner<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Only and OFAC is required. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> OFAC was not checked for XXXX on the XXXX report. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted Compensating factors: XXXX% LTV, $XXXX reserves, 0x30x78 mortgage history<br>**  | XXXX% LTV, $XXXX reserves, 0x30x78 mortgage history |  | 3 | 2 | 3 | 2 |
| XXXX | 2155560 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156823 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156823 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156823 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156865 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156865 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156865 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156824 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156824 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156824 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165615 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165615 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165615 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165616 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165616 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. A review of the XXXX #XXXX and #XXXX account reflects unsourced large deposits on XX/XX/XXXX $XXXX; XX/XX/XXXX $XXXX; XX/XX/XXXX $XXXX; XX/XX/XXXX $XXXX; XX/XX/XXXX $XXXX. Per the lender's guidelines unusually large deposits in bank accounts being used to qualify may require a letter of explanation or evidence they are business related. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We have this loan under XXXX for doc type. Seeattached income calculation.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The file was initially submitted to us with bank statements but changed to XXXX in underwriting. The XXXX docs were part of the initial upload, please see pages XXXX-XXXX and pages XXXX-XXXX of XXXX. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Loan Product Form identifies the Verification Method as Bank Statement. There are XXXX months of Bank Statements covering XXXX accounts in the file. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resoled)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165616 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153263 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153263 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153263 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155548 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2155548 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2155548 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156831 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156831 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is missing the amount of title insurance coverage equal to the loan amount and the required proposed insured reflected as XXXX, ISAOA. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Title provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156831 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153264 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153264 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153264 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160496 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160496 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160496 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160026 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160026 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160026 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160012 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160012 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Repairs | XXXX | The appraisal was made subject to repairs to items that presented structural concerns. A XXXX Update Completion report was provided for those repairs. However, the appraiser indicated one of the water heaters base/floor shows signs of leakage and indicated within the appraisal report it should be repaired. This item was not included within the XXXX Update/Completion Report and the loan file is missing documentation to support the repair was made/addressed. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, 0x30x57 mortgage history, Experienced Investors<br>**  | XXXX qualifying credit score, 0x30x57 mortgage history, Experienced Investors |  | 3 | 2 | 3 | 2 |
| XXXX | 2160012 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | XXXX in file as the subject loan does not meet Program Parameters for Property Type. The subject is a XXXX Unit property and Unit XXXX is < 500sqft (XXXX sqft.). It should also be noted the qualifying DSCR reflected on the Loan Exception Approval is XXXX% and the loan closed with a XXXX% DSCR. Client to approve downgrading finding based on compensating factors. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, 0x30x57 mortgage history, Experienced Investors<br>**  | Compensating Factors: XXXX Fico, XXXX months PITI Reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2160012 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160028 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160028 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160028 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155538 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Signature Discrepancy | XXXX | The note was executed by an entity; however, the provided entity documents were not executed. Unable to determine if signature on the note is accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155538 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The XXXX to the mortgage reflected the borrower's name as an individual on page XXXX of the rider; however, the name should have been reflected as the entity name. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> corrective affprovided <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155538 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The mortgage was executed by an entity; however, the provided entity documents were not executed. Unable to determine if signature on the mortgage is accurate. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX docs provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155538 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155538 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158333 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158333 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158333 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155539 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155539 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155539 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155558 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155558 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX in file as the subject loan does not meet Program Parameters for minimum square footage for each unit. The subject property is a XXXX unit and one unit is below the minimum required square footage of XXXX sq ft at XXXX ft. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: XXXX, minimum is XXXX. DSCR is XXXX, reserves of $XXXX or XXXX months. |  | 3 | 2 | 3 | 2 |
| XXXX | 2155558 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2153272 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153272 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153272 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160490 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160490 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160490 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156828 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156828 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines state the lesser of the lease amount or the market rent will be used to calculate the DSCR. The appraisal and photos validate the subject is tenant occupied but the lease supporting $XXXX per month could not be located within the loan file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Lease<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Only the lease for unit B was provided. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156828 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | The XXXX reflects the borrower has been living free for XXXX years; XXXX state the rent free attestation must be from the homeowner but it could not be located within the loan file. There was an LOE from the B1 stating they are living rent free this is insufficient. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> LOE<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156828 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2152714 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152714 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2152714 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165409 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165409 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165409 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156863 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156863 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156863 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156830 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156830 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156830 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154919 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154919 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Borrower Info | XXXX | The Appraisal in file reflects XXXX and XXXX as "Borrowers." XXXX is not a Borrower on the subject loan transaction. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> APPR<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2154919 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The CDA in file reflects XXXX and XXXX as "Borrowers." XXXX is not a Borrower on the subject loan transaction. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX has been updated. Please petition the Investor for an exception that the CDA remain in both names. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX qualifying credit score, $XXXX reserves, Experienced Investor<br>**  | XXXX qualifying credit score, $XXXX reserves, Experienced Investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2154919 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | XXXX in file due to the subject property being Rural and the closing XXXX% LTV exceeds the XXXX% LTV program maximum for Rural properties. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: XXXX XXXX, XXXX months PITI Reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2154919 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that support the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155542 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155542 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155542 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156829 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156829 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156829 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154936 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) are incomplete: Written changes to page one and page eleven of the Security Instrument were not initialed. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> DOT provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154936 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: The Assignment of Leases and XXXX is missing pages XXXX through XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> This was provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154936 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154936 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154921 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154921 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154921 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU XXXX score. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158305 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158305 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158305 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156850 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156850 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception in the file for LTV exceeding max of XXXX% for non-arms' length transaction. Subject LTV was approved to XXXX%. Borrower was renting subject prior to transaction and the sellers are the landlord. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> approval<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception approval received from client. (Waived)<br>**  |  | Compensating factors: XXXX, Reserves of $XXXX or XXXX months, Housing history 0x30x24, borrower self-employed XXXX years. |  | 3 | 2 | 3 | 2 |
| XXXX | 2156850 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158321 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158321 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX in file for non-arm's length transaction. Borrower is purchasing the subject property from XXXX. XXXX resides at another address and subject property is vacant with no mortgage. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Comp Factors - Experienced Long-Term Investor, XXXX months reserves, DSCR XXXX and LTV XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2158321 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158303 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158303 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The loan file is missing a gap credit or undisclosed debt monitoring report dated no more than XXXX days prior to the loan closing or any time after. The loan file contains a credit report dated XX/XX/XXXX with a supplemental credit report with mortgage only dated XX/XX/XXXX. The note date is XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UDM<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158303 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160003 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160003 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The guidelines require a minimum credit XXXX for a purchase with a DSCR of .XXXX-.XXXX. The Borrower had a credit XXXX and a DSCR of .XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> DSCR is XXXX <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Escalated.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Please document the DSCR calculation referenced in rebuttal. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160003 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2153271 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153271 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153271 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158326 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158326 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit or Undisclosed Debt Monitoring report no more than XXXX days prior to the loan closing or anytime after closing and is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> udm<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158326 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender exception provided for multiple overdrafts/NSFs exceeding XXXX in most recent XXXX months (letter of explanation was given). Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See page XXXX for explanation on why the lender exception was no longer needed or valid. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | Compensating factors: XXXX vs minimum XXXX; reserves XXXX months vs minimum XXXX months reserves required. |  | 3 | 1 | 3 | 1 |
| XXXX | 2158326 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160491 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160491 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160491 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158340 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158340 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158340 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158317 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158317 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158317 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154937 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154937 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154937 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160011 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160011 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 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 XXXX Financial Code. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160011 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160011 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2153268 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2153268 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2153268 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2160013 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160013 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160013 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158308 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158308 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158308 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158316 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158316 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158316 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160492 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2160492 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2160492 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158309 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158309 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158309 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2155545 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: Page XXXX of the Loan Agreement was completed incorrectly. The borrower is an entity, but the agreement lists the borrower as a natural person. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Corrected page provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2155545 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155545 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2155570 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: Page XXXX of the Loan Agreement was completed incorrectly. The borrower is an entity, but the agreement lists the borrower as a natural person. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155570 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced XXXX is missing: Exhibit A/Legal Description | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> legal provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155570 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. This loan failed the prepayment test. Borrower is an XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2155570 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155570 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155572 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Assignment of Leases and XXXX have the individual listed as the borrower on Pg XXXX rather than being the Entity as signed on Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> DOT provided <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155572 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2155572 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155572 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155546 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Assignment of Leases and XXXX have the individuals listed as the borrower on Pg XXXX rather than being the Entity as signed on Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> dot provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155546 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2155546 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155546 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155565 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Assignment of Leases and XXXX have the individual listed as the borrower on Pg XXXX rather than being the Entity as signed on Pg XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> DOT provided <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> DOT provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The Recorded Mortgage with the corrected pg. XXXX of the Assignment of Leases and Rents has been provided; however, the document is missing the signature pg. Please provide for review. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2155565 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2155565 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2155565 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158310 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158310 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158310 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156835 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: Page XXXX of the Loan Agreement is illegible. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> pg6 loan agreement<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156835 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Assignment of Leases and XXXX does not accurately reflect the Entity name as the borrower on page XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX recorded to correct ALR rider <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156835 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156835 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156837 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the prohibited fees test. The loan charges a prohibited fee based on one or more the following findings: The loan charged more than one automated valuation model fee or both an appraisal fee and an automated valuation model fee. (XXXX Fin. Code §XXXX). | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2156837 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156837 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2160006 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160006 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160006 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158312 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158312 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158312 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156848 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156848 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Other | XXXX | No verification of gift funds being transferred at closing or deposited in the borrower's account. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> receipt<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156848 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154940 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154940 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154940 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160005 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160005 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160005 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156862 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156862 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156862 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156838 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156838 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 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 XXXX Financial Code. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2156838 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Third Party Processing Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2156838 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156838 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156841 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX months prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2156841 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156841 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156839 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: There are XXXX prepayment penalty addendums to the Note in the loan file with different terms. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156839 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156839 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158314 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158314 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158314 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154932 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154932 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and/or documented. Large deposit from HELOC , per the LOE from the borrower, is not documented to confirm that the funds received on XX/XX/XXXX in the amount of $XXXX are from the new HELOC from XXXX. Funds are needed for closing on this loan. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2154932 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160008 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2160008 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2160008 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156842 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. The Appraisal Invoice reflects a fee escalation of $XXXX but no specific reason/document was provided. Therefore, the increase to the following fees was not accepted: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LE, COC, messages<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156842 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156842 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156843 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156843 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156843 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154927 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2154927 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | The subject property was purchased by the seller on XX/XX/XXXX for $XXXX. The purchase contract is dated XX/XX/XXXX for $XXXX; XXXX days later. Per the lender's guidelines a property is considered a "flip" if the price in the borrower's purchase agreement exceeds the property XXXX's acquisition price by more than XXXX% if the property XXXX acquired the property XXXX or fewer days prior to the date of the borrower's purchase agreement. A second appraisal must be obtained (the lower of the two values will be used). The second appraisal must be dated prior to the loan consummation/note date. The loan file did not contain a second appraisal. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Can we get a 2nd appraisal post close?<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> A post-close second appraisal could be used with an Investor exception. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted compensating factors: $XXXX verified reserves, XXXX% DTI, $XXXX XXXX. residual income<br>**  | XXXX. XXXX% DTI. XXXX months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2154927 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160009 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160009 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160009 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160027 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160027 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Credit Score | XXXX | XXXX in file for the Borrower's qualifying fico being XXXX for a Cash-out transaction. It should be noted, an exception was deemed not required at audit review. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: 0x30 prior XXXX months. XXXX months PITI Reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2160027 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165430 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165430 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165430 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163457 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163457 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163457 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163438 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163438 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163438 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156844 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> ICD XXXX-XXXX-XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156844 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following increases: Discount Points. A cost to cure in the amount of $XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156844 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156844 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2154929 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2154929 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154929 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165630 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165630 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165630 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160502 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160502 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)) Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160502 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160502 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163881 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163881 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163881 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156847 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156847 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156847 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156856 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156856 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156856 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156856 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156846 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156846 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156846 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156860 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Revised Disclosure Late) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the decrease to lender credits was not accepted as valid. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDs & audit trail<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156860 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: Discount points. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDs & audit trail<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156860 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156860 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163468 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163468 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163468 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156851 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156851 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The loan file did not contain a Undisclosed Debt Monitoring report as required per guidelines. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2156851 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156858 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156858 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156858 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156815 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX-XXXX. Appraisal and Credit Report Fees. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2156815 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156815 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158319 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158319 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158319 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158323 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158323 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX in file as the subject loan does not meet Program Parameters for the bank statement income program. The qualifying income was based on the borrower's personal XXXX #XXXX bank account and the XXXX #XXXX business account. Per the lender's guidelines multiple bank accounts may be used, but a combination of personal business statement documentation bank statement documentation is prohibited. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> approval<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Monthly reserves are verified and at least XXXX months more than guidelines minimum; Housing payment history is 0x30x24 or better; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposal income) of at least $XXXX per month |  | 3 | 2 | 3 | 2 |
| XXXX | 2158323 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156866 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156866 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156866 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160014 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160014 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160014 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163458 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163458 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163458 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158318 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX prepayment term, the loan has a XXXX prepayment term. The loan fails the prepayment test by XXXX months. This loan failed the prepayment test. The loan has a prepayment amount that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum prepayment penalty amount of XXXX, the loan has a prepayment penalty amount of XXXX. The loan fails the prepayment test by XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2158318 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158318 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158320 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158320 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158320 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160498 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160498 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160498 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156849 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156849 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156849 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158334 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158334 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158334 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163474 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163474 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163474 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163453 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX6. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163453 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | The loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 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 XXXX Financial Code. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163453 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163453 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156852 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-XXXX Settlement Statement provided in the loan file. As a result the following reviews could not be performed: XXXX, XXXX, RESPA XXXX review, and final HUD-XXXX accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> hud<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156852 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | HUD1 - Not Final | XXXX | Additional Finding: XX/XX/XXXX5. It could not be determined that the HUD-XXXX provided in the loan file was the FINAL binding HUD-XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR XXXX, XXXX | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2156852 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. The loan file contains the seller's final CD; however, the full final CD for the transaction was not provided to verify closing costs, POCs, EMDs, and funds to close for the borrower. (Additional conditions may apply) | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HUD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2156852 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160507 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160507 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160507 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a second appraisal dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158322 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Loan Disclosures/Escrow Account | XXXX | The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The Escrow Account Disclosure does not reflect whether or not an Escrow Account will be held by the servicer. Truth in XXXX (Regulation Z) 12 CFR 1026.38(l)(7) | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2158322 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158322 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU score XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158324 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Credit Report, CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2158324 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The most recent credit report is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit report or undisclosed debt monitoring report no more than XXXX days prior to the closing date which is missing from the file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UDM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2158324 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. XXXX in file for the borrower living rent free. LTV is XXXX% when guidelines allow max of XXXX% for living rent free. Client to approve downgrading finding based on compensating factors. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exception was cancelled because information received to evidence borrower rents - please see attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | Compensating Factors: FICO higher than XXXX and at least XXXX points higher than guideline minimum (XXXX); monthly reserves are verified and at least XXXX months more than guideline minimum of XXXX month. |  | 3 | 1 | 3 | 2 |
| XXXX | 2158324 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163442 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163442 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163442 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160499 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160499 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160499 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160500 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2160500 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2160500 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2154942 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154942 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2154942 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163443 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163443 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163443 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156854 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156854 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156854 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163460 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163460 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163460 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163882 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163882 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX rate spread home loan test. (XXXX GS §XXXX-XXXXF(a)(XXXX)) The loan is a rate spread home loan, as defined in the legislation. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163882 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163882 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165628 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165628 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit or Undisclosed Monitoring report within XXXX days of the note date or anytime after closing and is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> This is not second lease. The existing lease was replaced. Borrower's old lease amount of $XXXX has been replaced with new lease, amount of $XXXX, originated on XX/XX/XXXX. See attached for new lease and return of previous lease. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> XXXX account opened on XX/XX/XXXX with a payment of $XXXX per month results in excessive DTI. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165628 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158327 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158327 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158327 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163444 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163444 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163444 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158339 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prepayment Penalty | XXXX | This loan failed the prepayment test. The loan has a prepayment term that does not conform to the State Regulations where the property is located. The state of XXXX allows for a maximum XXXX months prepayment term, the loan has a XXXX month prepayment term. The loan fails the prepayment test by XXXX months. Borrower is an XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2158339 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158339 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2158325 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158325 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | XXXX in file for the vesting entity XXXX, being a "layered entity" under XXXX. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> approval<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Client exception approval received. (Waived)<br>**  |  | Compensating Factors: XXXX XXXX, XXXX months PITI Reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2158325 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158335 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158335 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158335 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160020 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160020 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | The file is missing EIN. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160020 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2156855 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156855 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156855 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165415 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. XXXX and Condo Certification Fees. However, these fees should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2165415 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Loan Discount Point Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> COC XXXX/XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2165415 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | The loan file is missing the required XXXX to validate value or required repairs. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2165415 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160015 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160015 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160015 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163475 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163475 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163475 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160501 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report Fee. Although FBO followed the Broker the 3rd party provider of service was not disclosed. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2160501 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2160501 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163447 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163447 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163447 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160017 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160017 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160017 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163491 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163491 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXXX business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ICD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163491 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163491 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163873 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163873 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163873 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165422 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APRXXXX%) the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165422 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165422 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156827 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on or before XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: XXXX on the revised CD issued XX/XX/XXXX. Per the invoice dated XX/XX/XXXX a transfer fee of $XXXX was required for the transfer of the Appraisal from another XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> cure<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2156827 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2156827 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2158331 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158331 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158331 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158330 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158330 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158330 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2156859 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2156859 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2156859 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165640 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165640 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165640 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165428 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165428 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Other | XXXX | Guidelines require color photographs to be included in the appraisal. The appraisal provided is in black and white. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> APPR<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165428 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Guidelines require a gap credit or undisclosed debt monitoring report no more than XXXX days prior to the loan closing or any time after. The original credit report is dated XX/XX/XXXX with a note date of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UDM<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165428 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163455 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163455 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163455 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160018 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2160018 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Other | XXXX | The title commitment is missing the Proposed Insured Name. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2160018 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163449 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within XXXX days of the change, the increase to the following fees was not accepted as valid: XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX/XXXX CD sent with COC <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163449 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | Guidelines state a gap credit or undisclosed debt monitoring report is required no more than XXXX days prior to loan closing or any time after closing. The credit report provided in the loan file is dated XX/XX/XXXX with a note date of XX/XX/XXXX. The loan file is missing documentation supporting ongoing monitoring or a soft pull credit report. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> UDM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163449 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit - Other | XXXX | The credit report dated XX/XX/XXXX indicates three charge off/ Collection accounts with a cumulative balance of $XXXX. The loan file does not include documentation indicating these have been satisfied. Guidelines state collections and charge offs greater than or equal to XXXX months old with greater than $XXXX per occurrence must be paid in full prior to or at closing. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163449 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163451 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163451 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163451 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163874 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163874 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163874 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163459 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163459 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163459 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163465 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163465 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163465 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165420 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165420 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165420 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160503 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160503 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160503 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163454 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163454 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX XXXX higher-priced mortgage loan test. (XXXX XXXX, XXXX Financial Code Division XXXX 4995(a)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code. The loan is a compliant HPML. Prepayment requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163454 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163454 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160508 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160508 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160508 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163875 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163875 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for housing history. Per the lender's guidelines housing payment history must be verified and documented to confirm that the payment is current at the time of application and the month prior to the XXXX date. A review of the mortgage statement for the borrower's investment property at XXXX reflects the mortgage was past due. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted Compensating factors: XXXX% DTI, $XXXX reserves, Self-employed XXXX years<br>**  | XXXX% DTI, $XXXX reserves, Self-employed XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2163875 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165624 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165624 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165624 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160022 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160022 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160022 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165419 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165419 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165419 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163461 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163461 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Report - Other | XXXX | Guidelines require a gap credit or undisclosed debt monitoring report no more than XXXX days prior to closing the loan or any time after. The loan file contains a credit report dated XX/XX/XXXX with a note date of XX/XX/XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2163461 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a POA when only one borrower is on the loan and a non-borrowing spouse will be signing. Guidelines require at least one borrower on the loan transaction must physically sign the loan documents unless the borrower is military on active duty. Borrower will be out of the country assisting with medical needs of parents. Client to approve downgrading finding based on compensating factors. ? | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX% DTI, $XXXX residual income, $XXXX reserves, self-employed XXXX years<br>**  | Compensating Factors: Good reserves XXXX months- XXXX years in industry- XXXX less than XXXX%. |  | 3 | 2 | 3 | 2 |
| XXXX | 2163461 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165438 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165438 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The loan closed XX/XX/XXXX and the credit report is dated XX/XX/XXXX. Guidelines require a gap credit report or Undisclosed Debt Monitoring report not more than XXXX days prior to the note date or any time after, and is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165438 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Other | XXXX | Bank Statement Program. The file contains an income worksheet with monthly income of $XXXX; however, is missing the income/exclusion worksheets reflecting monthly income of $XXXX as reflected on the XXXX and final XXXX used for qualification. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CAL<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165438 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158336 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158336 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158336 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165646 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165646 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165646 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163483 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163483 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX-XXXX. Credit Report Fee. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2163483 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163483 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165426 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165426 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The most recent credit report for the borrower is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit report or undisclosed debt monitoring report no more than XXXX days prior to the closing date which is missing from the file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2165426 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Employment History | XXXX | Two full years of continuous employment history was not obtained for the borrower. Guidelines require self-employed borrowers to be self-employed for at least XXXX years. The XXXX indicates self-employment as of XX/XX/XXXX and the approval reflected same; however, the letter from the tax preparer indicated the borrower established the business XX/XX/XXXX which is less than XXXX years. No further documentation provided to verify XXXX years of self employment. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX% DTI, $XXXX residual income, No lates credit history.<br>**  | XXXX% DTI, $XXXX residual income, No lates credit history. |  | 3 | 2 | 3 | 2 |
| XXXX | 2165426 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165626 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165626 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Gift Letter - No Evidence of Funds | XXXX | No evidence of the transfer of gift funds from the donor to the borrower was located in the file. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX funds were wired from the donors closing - their title company sent the information to evidence this and escrow provided evidence of receipt. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted compensating factors: XXXX years self-employed, XXXX qualifying credit score<br>**  | XXXX years self-employed, XXXX qualifying credit score |  | 3 | 2 | 3 | 2 |
| XXXX | 2165626 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163463 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Regulations | XXXX | This loan failed the prohibited fees test. The loan charges a prohibited fee based on one or more the following findings: The loan charged more than one automated valuation model fee or both an appraisal fee and an automated valuation model fee. (XXXX Fin. Code §XXXX). | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2163463 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Income - Rental Property Income | XXXX | The documentation to support current rental income of $XXXX for XXXX was not provided. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXAM)<br> Client reviewed and elects to waive. Noted compensating factors: $XXXX verified reserves, XXXX qualifying credit score, XXXXx30x34 month mortgage history. <br>**  | $XXXX verified reserves, XXXX qualifying credit score, XXXXx30x34 month mortgage history. |  | 3 | 2 | 3 | 2 |
| XXXX | 2163463 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160025 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160025 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160025 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165446 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165446 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165446 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160024 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160024 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160024 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163470 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163470 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided to allow LTV of XXXX% for unverifiable housing payment history. Per guidelines, XXXX is XXXX%. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> approval<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating Factors: verified residual Income (disposable income) of at least $XXXX per month, same job more than XXXX years, same industry more than XXXX years |  | 3 | 2 | 3 | 2 |
| XXXX | 2163470 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160509 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160509 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160509 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158343 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: XXXX, LE XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2158343 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2158343 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165642 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165642 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165642 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163473 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX% the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163473 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The most recent credit report for each borrower is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit report or undisclosed debt monitoring report no more than XXXX days prior to the closing date which is missing from the file for both borrowers. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163473 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163492 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX% the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2163492 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The most recent credit report is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit report or undisclosed debt monitoring report no more than XXXX days prior to the closing date which is missing from the file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2163492 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165631 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165631 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165631 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165633 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165633 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | Lender's Exception - Lender allowed the co-borrower's real estate commissions of $XXXX, to be used towards closing cost. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> This was an internal exception that was approved - please review<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> ATTACHED<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception must be granted by Investor. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: $XXXX residual income per month, XXXX mid score, Low DTI |  | 3 | 2 | 3 | 2 |
| XXXX | 2165633 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165427 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR (XXXX%) and the calculated APR (XXXX%), the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2165427 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Incorrect | XXXX | The title commitment's proposed amount of insurance of $XXXX is incorrect. The amount should be $XXXX. | Disagree | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> updated TPOL<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2165427 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2165647 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165647 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165647 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165429 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in XXXX Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165429 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for XXXX NSFs- guidelines only allow XXXX in the last XXXX months. Client to approve downgrading finding based on compensating factors. | Waived |  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Waiver granted by Investor. (Waived)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> Client reviewed and elects to waive. Noted Compensating factors: XXXX% DTI, $XXXX verified reserves, Self-employed XXXX years, 0x30x99 mortgage history<br>**  | Compensating Factors: payment history is 0x30x24, verified residual income $XXXX |  | 3 | 2 | 3 | 2 |
| XXXX | 2165429 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at XXXX or under to support the origination appraised value. CU is XXXX. | Resolved |  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The DVR provided supports the original appraised value within 10%. (Resolved)<br>**  | **XXXX (XX/XX/XXXX XX:XXPM)<br> DVR uploaded<br>**  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2163880 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163880 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163880 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2163886 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163886 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The loan file contains a lender exception to allow purchase financing on a rural property to XXXX% LTV/CLTV, guidelines allow XXXX% LTV/CLTV. Determined non-material based on compensating factors. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> approval<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Over $XXXXK monthly residual, Low DTI XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2163886 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | The loan file contains a lender exception to allow purchase financing to a first time home buyer, guidelines state lender approval with strong compensating factors. Determined non-material based on compensating factors. Client to approve downgrading finding based on compensating factors. | Waived | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> approval<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>**  |  | Compensating factors: Over $XXXXK monthly residual, Low DTI XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2163886 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2165641 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165641 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit or Undisclosed Monitoring report within XXXX days of the note date or anytime after and is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165641 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165432 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in XXXX (Regulation Z) 12 CFR 1026.38(a)(3)(iii) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2165432 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165432 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163482 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the XXXX prohibited lender fees test. This test includes the following fees: XXXX. The loan fails the prohibited fees test by $XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2163482 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2163482 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2165450 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165450 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The most recent credit report for the borrowers is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit report or undisclosed debt monitoring report no more than XXXX days prior to the closing date which is missing from the file. Additional conditions may apply. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165450 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165636 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Second Appraisal Fee, CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CD, invoice<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165636 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The credit report is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX. Guidelines require a gap credit or Undisclosed Monitoring report within XXXX days of the note date or anytime after closing and is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> UDM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165636 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Verification Documentation - VOR | XXXX | Borrower currently at rental residence. Verification of XXXX months rental payments as per the guidelines is required and is missing from the file. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See pages XXXX-XXXX of the XXXX pages uploaded. Bank statements from XX/XX/XXXX-XX/XX/XXXX show XXXX months proof of $XXXX rent payments drafted. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165636 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165639 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165639 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165639 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165443 | 1 of 5 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165443 | 2 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Gift Letter - Missing | XXXX | The gift letter for earnest money deposit of $XXXX was not provided. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX letter<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165443 | 3 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | XXXX provided for Borrower is receiving a gift and broker would like to waive requirement of borrower bringing in XXXX% of their own funds for closing cost/down payment. Client to approve downgrading finding based on compensating factors. | Void | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The guideline requires the borrower to document a minimum of XXXX% of their own funds, which has been satisfied through verified assets. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The borrower has more than enough personal funds to cover XXXX% down. (Void)<br>**  |  | Compensating Factors: payment history is 0x30x24, same job more than XXXX years, same industry more than XXXX years |  | 1 | 1 | 3 | 1 |
| XXXX | 2165443 | 4 of 5 | XXXX | XXXX | XXXX | XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is missing the proposed insured name and coverage amount. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Only escrow instructions were provided. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165443 | 5 of 5 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165444 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165444 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required XXXXD to validate to required repairs. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2165444 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2165649 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165649 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165649 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165648 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165648 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2165648 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160329 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160329 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160329 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2158400 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Per Regulation Z, the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX, which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The variance is due to the duration of monthly XXXX. At a CLTV/LTV of XXXX%, XXXX would not cancel until after XXXX months. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Not Valid - XXXX completed and passed<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Not Valid - The Homeowners Protection Act of XXXX (HPA), which dictates the rules for PMI cancellation and disclosure, explicitly exempts second-home loans and vacation properties. This means that the HPA&#XXXX;s specific rules for automatic termination and mandatory disclosure do not apply. HPA specifically applies to primary residence.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> See attached confirming cancellation at XXXX%<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> Adding amortization schedule as additional documentation. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Taking the lower of the appraised value and sales price the loan has a starting LTV/CLTV of XXXX%. XXXX does not cancel until the loan reaches XXXX%. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> While HPA rules do not apply to second homes, additional documentation is needed to confirm lender specific guidelines. Since termination and mandatory disclosure requirements are not applicable, we must verify the lender's policy for XXXX cancellation. This allows us to compare it with the disclosed term and ensure the borrower received accurate TILA and TOP figures on the final CD. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The lender's XXXX cancelation at XXXX% confirms the original citation. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months with a starting LTV of XXXX% canceling at XXXX%. A cost to cure in the amount of $XXXX remains. Please note cures are only available within XXXX days of discovery of which the time has passed. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The amortization schedule provided is only showing XXXX months and does not include the entire term of the loan for review. The top of the amortization shows in which month the XXXX would cancel if it was canceled at XXXX% and in what month at XXXX%. It is not indicating when XXXX cancels. The Data Proof Sheet states XXXX is only for XXXX months but conflicts information by stating XXXX cancels at XXXX% which is not until month XXXX. Additionally, the Data Proof Sheet is not an official document for verification of XXXX terms. The XXXX Certificate/Commitment in the loan file states XXXX rates from years XXXX-XXXX as well as renewal rates from XXXX years+. With the official XXXX in the file and a cancel point at XXXX% the citation and cost to cure remains. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2158400 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Total of Payments (TOP) Non-Rescindable | XXXX | Non-Rescindable. The loan failed the TRID Total of Payments tolerance test. Per Regulation Z, the Total of Payments is considered inaccurate if the disclosed Total of Payments is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Total of Payments of $XXXX, which is less than the system calculated Total of Payments of $XXXX. The Total of Payments on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The variance is due to the duration of monthly XXXX. At a CLTV/LTV of XXXX%, XXXX would not cancel until after XXXX months. A cost to cure in the amount of $XXXX is required. | Upheld | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Not Valid - XXXX completed and passed<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Not Valid - The Homeowners Protection Act of XXXX (HPA), which dictates the rules for PMI cancellation and disclosure, explicitly exempts second-home loans and vacation properties. This means that the HPA&#XXXX;s specific rules for automatic termination and mandatory disclosure do not apply. HPA specifically applies to primary residence.<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> See attached confirming cancellation at XXXX%<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Taking the lower of the appraised value and sales price the loan has a starting LTV/CLTV of XXXX%. XXXX does not cancel until the loan reaches XXXX%. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> While HPA rules do not apply to second homes, additional documentation is needed to confirm lender specific guidelines. Since termination and mandatory disclosure requirements are not applicable, we must verify the lender's policy for XXXX cancellation. This allows us to compare it with the disclosed term and ensure the borrower received accurate TILA and TOP figures on the final CD. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The lender's XXXX cancelation at XXXX% confirms the original citation. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months with a starting LTV of XXXX% canceling at XXXX%. A cost to cure in the amount of $XXXX remains. Please note cures are only available within XXXX days of discovery of which the time has passed. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2158400 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2158400 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2141764 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - $100 Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Per Regulation Z, the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of $XXXX, which is less than the system calculated Finance Charge of $XXXX. The Finance Charge on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. The following fees were included in the Finance Charge calculation: Condo Questionnaire $XXXX, Title - E-Filing Fee $XXXX, Flood Certification $XXXX, LOS Fee $XXXX, MERS Registration Fee $XXXX, Prepaid Interest $XXXX, Processing Fee $XXXX, Title - Settlement $XXXX, Title - Email and XXXX Fee $XXXX, and Underwriting Fee $XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. |  | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX pass<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Invalid<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> XXXX and amort schedule<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> LOE and Post CD<br>Rebuttal 5 (XX/XX/XXXX XX:XXAM)<br> cure documents<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Taking the lower of the appraised value and sales price the loan has a starting LTV/CLTV of XXXX%. XXXX does not cancel until the loan reaches XXXX%. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The XXXX report has been provided; please provide the XXXX Cert and amortization schedule for review. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> XXXX does not cancel until the loan reaches XXXX%. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months. Please note the XXXX days from discovery cure window has expired. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The PCCD OE and PCCD updating the Finance charge has been provided; however, a refund in the amount of $ XXXX is required to cure the violation. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2141764 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD - Total of Payments (TOP) Non-Rescindable | XXXX | Non-Rescindable. The loan failed the TRID Total of Payments tolerance test. Per Regulation Z, the Total of Payments is considered inaccurate if the disclosed Total of Payments is understated by more than $XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Total of Payments of $XXXX, which is less than the system calculated Total of Payments of $XXXX. The Total of Payments on the final CD is understated by $XXXX which is more than the allowable tolerance of $XXXX. A cost to cure in the amount of $XXXX is required. |  | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX pass<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Invalid<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> XXXX and amort schedule<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> LOE and Post CD<br>Rebuttal 5 (XX/XX/XXXX XX:XXAM)<br> cure documents<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. Taking the lower of the appraised value and sales price the loan has a starting LTV/CLTV of XXXX%. XXXX does not cancel until the loan reaches XXXX%. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months. A cost to cure in the amount of $XXXX remains. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The XXXX report has been provided; please provide the XXXX Cert and amortization schedule for review. (XXXX)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> XXXX does not cancel until the loan reaches XXXX%. The amortization/payment schedule provided shows that XXXX cancels after XXXX months, however XXXX should not cancel until XXXX months. Please note the XXXX days from discovery cure window has expired. (XXXX)<br>Response 4 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to clear the finding. The PCCD OE and PCCD updating the total of Payments (TOP) has been provided; however, a refund in the amount of $ XXXX is required to cure the violation. (XXXX)<br>**  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2141764 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file does not contain documentation to support the cost of XXXX for the borrower's primary residence located at XXXX XXXX | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2141764 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of XXXX | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163776 | 1 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1)) The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163776 | 2 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: XXXX. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 3 |
| XXXX | 2163776 | 3 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that in total cannot increase more than XXXX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. |  |  |  |  |  | XXXX | 3 | 3 | 3 | 3 |
| XXXX | 2163776 | 4 of 6 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains the following fee or fees where 'compensation to' does not reflect a XXXX on the revised CD. XXXX. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 3 |
| XXXX | 2163776 | 5 of 6 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163776 | 6 of 6 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 3 |
| XXXX | 2163797 | 1 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2163797 | 2 of 4 | XXXX | XXXX | XXXX | XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Credit Report, CD XX/XX/XXXX. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CD with PR for credit fee increase<br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> Screenshot of Principal Reduction<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. ?The LOE and PCCD have been provided showing the principal reduction in the amount of $XXXX. Please provide a screen shot or other evidence from the Lender's system as proof that the Principal Reduction was applied to the loan. (XXXX)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>**  |  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2163797 | 3 of 4 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2163797 | 4 of 4 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2160334 | 1 of 3 | XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160334 | 2 of 3 | XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2160334 | 3 of 3 | XXXX | XXXX | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |

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## Exhibit 99.06

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

**Exhibit 99.06 - Schedule 3**

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **DD Start Date** | **DD Delivery Date** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 2156415 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2133214 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2130362 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2161612 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2164834 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2153479 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2158757 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2153449 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2161607 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2156375 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2156374 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2156373 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2161596 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2158698 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2156364 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2161621 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2136066 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2142486 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2144884 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2139937 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2166767 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2161597 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2164831 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2161624 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2166760 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2166780 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2161599 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2161614 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2161613 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2161611 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2164816 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2166771 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2166779 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2166773 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2164827 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2161617 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2161609 | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2161592 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2166758 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2161626 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2161627 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2164830 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2166764 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2164826 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2164809 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2164833 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2164822 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2164821 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2164820 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2164819 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2166782 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2161605 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2166775 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2161601 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2164815 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2161610 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2161591 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2164824 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2164828 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2161608 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2166763 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2166756 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2161606 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2166768 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2161618 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2161593 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2164836 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2166761 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2164823 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2164810 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2161595 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2164832 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2164811 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2166774 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2166766 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2166765 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2161622 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 1 | 1 | 2 C B A |
| XXXX | 2161623 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2166770 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2161619 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2164805 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2164806 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2161616 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2161615 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2161604 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2161603 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2161602 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2164829 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2164814 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2166783 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2166757 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2166778 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2166777 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2166776 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2161625 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2164835 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2161600 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2161620 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2164812 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2164817 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2164818 | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2166759 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2161598 | XXXX | XXXX | XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2164825 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2166781 | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2161594 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2160467 | XXXX | XXXX | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 2160466 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2159528 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 3 | 2 C B |
| XXXX | 2159532 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 3 | 2 C B |
| XXXX | 2159562 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 3 | 1 C B A |
| XXXX | 2159561 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 3 | 1 C B A |
| XXXX | 2159531 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 3 | 2 C B |
| XXXX | 2159535 | XXXX | XXXX | XXXX | 3 | 3 | 1 | 1 | 3 | 3 | 3 | 2 C A B |
| XXXX | 2159558 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 3 | 1 C B A |
| XXXX | 2159538 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 3 | 1 C B A |
| XXXX | 2159527 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 3 | 2 C B A |
| XXXX | 2159543 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 3 | 1 C B A |
| XXXX | 2159526 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 3 | 1 C B A |
| XXXX | 2159541 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 3 | 1 C B A |
| XXXX | 2159559 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 3 | 1 C B A |
| XXXX | 2159537 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 3 | 1 C B A |
| XXXX | 2159534 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 3 | 2 C B |
| XXXX | 2159536 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 1 C B A |
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| XXXX | 2132221 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2122533 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2163434 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2165616 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2141272 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2165430 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2126996 | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 3 | 1 C B A |
| XXXX | 2164862 | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2162966 | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2153086 | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.06

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

**Exhibit 99.06 - Schedule 4**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 2160466 |  | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160467 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159558 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 4.160% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159559 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 3.900% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159562 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -2.264% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159541 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 6.840% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159561 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 3.831% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159543 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 2.753% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163597 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155625 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2142215 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2163604 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163599 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2155623 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| XXXX | 2163598 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155626 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |
| XXXX | 2155624 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165552 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155622 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2163602 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2163600 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.556% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2163601 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2163605 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163603 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164867 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155653 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155651 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155652 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155654 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161441 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161442 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165380 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160569 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160586 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142230 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142229 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142226 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160584 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160585 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160583 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165391 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165389 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.320% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165384 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165381 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -1.852% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165383 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.866% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165386 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165385 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165390 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165387 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.333% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165388 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165402 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.488% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163745 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163756 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165397 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163748 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165393 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160045 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165394 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152657 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165399 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163747 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable | XXXX | XXXX | -9.167% | XXXX | 1025 |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165395 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165396 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.407% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160043 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165401 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165401-01 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165401-02 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165401-03 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158145 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165400 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158143 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165392 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160046 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163746 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160044 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158147 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163751 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163750 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.618% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163749 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.952% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165403 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163752 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163753 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163755 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163754 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165404 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165398 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165398-01 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165398-02 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161449 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163917 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161453 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143111 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.317% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137448 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163534 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143108 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163533 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004C | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133344 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137447 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144039 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | Other | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.750% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163536 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163536-01 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163536-02 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163536-03 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163536-04 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163537 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163537-01 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163537-02 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163537-03 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.143% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163537-04 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163537-05 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163537-06 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137445 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.706% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137441 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152616 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144054 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144036 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144013 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144028 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144014 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144022 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144615 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154895 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163535 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.913% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144601 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.455% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144613 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163538 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159528 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | Unavailable | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.193% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159537 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 1.856% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159531 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 21.760% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159532 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -3.960% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159526 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 11.033% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | 2.620% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159527 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -36.568% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | -26.609% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159534 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 0.770% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159535 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -2.884% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159536 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -0.752% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161446 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163918 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163919 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161443 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161455 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161445 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163920 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161444 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163921 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163922 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163924 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163924-01 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163924-02 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163924-03 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163924-04 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163929 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161447 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.090% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161448 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163925 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161454 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163926 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163928 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163930 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161452 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161450 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161451 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164862 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 12.617% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126996 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2164836 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130362 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.327% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2133214 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| XXXX | 2153388 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2161627 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2161626 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2139937 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2136066 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2144884 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2164835 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2142486 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 0.834% | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2161625 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.627% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2166756 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 6.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153479 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2166783 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166782 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.925% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153086 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -3.394% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2162966 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 1.872% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2161624 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2156415 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2166781 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2166780 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2158757 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2161623 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164833 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161622 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -14.634% | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | -14.634% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161621 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164832 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2161620 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2161591 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164831 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2164830 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2164829 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2164805 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164806 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166779 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.280% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2156375 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156374 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156373 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2164828 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2166778 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2166777 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2166776 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2161619 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153449 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2166775 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.391% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161618 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2166774 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2164827 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.649% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161617 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161616 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161615 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166773 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156364 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2164826 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2161614 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2164825 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2161613 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2161612 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2161611 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2161610 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2164824 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2164823 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2161609 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2161608 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164822 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2164821 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2164820 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2164819 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2158698 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2166771 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161607 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2166757 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164818 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2164817 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2164816 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161606 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2161605 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| XXXX | 2161604 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2166758 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | Form 71A | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161603 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2161602 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2164815 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2166770 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2161601 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161600 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2161599 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 999 |
| XXXX | 2161598 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2164814 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.143% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| XXXX | 2164812 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2161597 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2161596 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.509% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2161595 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2164811 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2164810 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| XXXX | 2166768 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2161594 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166767 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2166766 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2161593 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2166765 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| XXXX | 2166764 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161592 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2164809 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166763 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2166761 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166760 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2166759 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2160338 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160330 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160337 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2159574 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164864 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164863 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | Form 71A | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162524 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164868 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164865 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154538 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160341 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2164866 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162523 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162525 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162526 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160339 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153134 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153131 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160324 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160335 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2160323 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160340 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160331 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2160333 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160322 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2145913 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139808 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2160336 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2145902 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.724% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2160325 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2160326 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160327 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160468 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165787 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 2165788 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165789 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165790 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -3.428% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2165791 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2165792 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -2.385% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2165793 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2165794 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2165795 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2165796 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165797 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2160332 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153135 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160328 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2159538 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  | XXXX | XXXX | 9.750% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154531 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160469 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2023933 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  | 1004 |  |  |  |  |  |  |  | XXXX | XXXX | -0.298% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2158332 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2112644 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141280 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.947% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156819 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2160485 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2122533 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2117032 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.226% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| XXXX | 2110699 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144679 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.091% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2126952 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2123299 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131391 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129533 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2133451 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2142405 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160488 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2132221 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137673 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2131389 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156857 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| XXXX | 2141272 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2152712 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2160494 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160493 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154899 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160002 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2165405 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.563% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXX | 2163432 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165406 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2155519 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2148776 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2155522 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156820 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| XXXX | 2158341 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.311% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2158300 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155527 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155535 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152698 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144669 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2148778 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2160497 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2153257 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156825 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2142433 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156833 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.516% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165410 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2141248 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| XXXX | 2156845 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160001 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| XXXX | 2163433 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2144676 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2144675 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| XXXX | 2144429 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| XXXX | 2156840 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155549 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163436 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165411 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153261 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153259 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153274 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2144448 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.419% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| XXXX | 2156818 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160000 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2148772 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| XXXX | 2144458 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163871 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158304 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154904 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154903 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160016 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2158342 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158301 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155533 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2158311 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2163434 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2156821 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2156822 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2160489 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2155560 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156823 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2156865 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156824 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2165615 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165616 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2153263 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155548 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156831 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153264 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160496 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2160012 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160028 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2155538 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158333 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155539 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155558 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153272 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2160490 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156828 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2152714 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165409 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2156863 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156830 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2154919 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2155542 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156829 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154936 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154921 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158305 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156850 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158321 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158303 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160003 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2153271 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2158326 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160491 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158340 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158317 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154937 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160011 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2153268 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160013 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158308 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158316 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160492 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158309 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155545 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2155570 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155572 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2155546 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2155565 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158310 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156835 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156837 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160006 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158312 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156848 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2154940 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160005 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2156862 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156838 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2156841 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156839 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158314 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154932 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160008 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156842 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2156843 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154927 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2160009 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160027 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2165430 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| XXXX | 2163457 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163438 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2156844 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2154929 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2165630 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160502 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163881 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2156847 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156856 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2156846 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 2156860 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163468 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2156851 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| XXXX | 2156858 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2156815 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158319 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158323 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156866 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160014 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163458 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2158318 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158320 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160498 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2156849 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| XXXX | 2158334 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163474 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163453 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156852 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160507 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable | XXXX | XXXX | 8.333% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158322 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2158324 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163442 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2160499 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.429% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160500 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154942 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163443 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156854 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2163460 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163882 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165628 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158327 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163444 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable | XXXX | XXXX | 34.286% | XXXX | 1004 |  |  |  |  |  |  |  | XXXX | XXXX | 34.286% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158339 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158325 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2158335 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160020 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156855 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165415 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2160015 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| XXXX | 2163475 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2160501 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXX | 2163447 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2160017 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.850% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163491 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163873 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165422 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156827 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158331 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158330 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2156859 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165640 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2165428 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163455 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160018 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163449 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163451 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 2163874 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2163459 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 2163465 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 2165420 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160503 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163454 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2160508 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163875 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2165624 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| XXXX | 2160022 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| XXXX | 2165419 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2163461 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165438 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158336 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165646 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| XXXX | 2163483 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165426 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165626 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163463 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2160025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165446 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163470 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160509 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2158343 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165642 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2163473 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| XXXX | 2163492 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165631 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165633 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| XXXX | 2165427 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.266% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2165647 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| XXXX | 2165429 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163880 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 2163886 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165641 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 2165432 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163482 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165450 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2165636 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 2165639 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165443 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 2165444 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165649 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2165648 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2160329 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| XXXX | 2158400 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| XXXX | 2141764 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163776 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 2163797 | XXXX | XXXX | XX | XXXX | XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| XXXX | 2160334 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

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

**Exhibit 99.06 - Schedule 5**

---

| | |
|:---|:---|
| **Report Pulled:** | 6/15/2026 |
| **Loan Count:** | 574 / 588 |

---

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Amortization Term in Months | 11 | 1.92% |
| Appraised Value | 22 | 3.74% |
| CLTV | 11 | 1.92% |
| Debt Service Coverage Ratio | 161 | 28.05% |
| First Payment Due Date | 5 | 0.87% |
| Loan Purpose | 4 | 0.70% |
| LTV | 34 | 5.92% |
| Maturity Date | 20 | 3.48% |
| Occupancy Type | 1 | 0.17% |
| Original Interest Rate | 2 | 0.35% |
| Original Loan Amount | 2 | 0.35% |
| Original Qualifying FICO Score | 10 | 1.74% |
| Origination/Note Date | 14 | 2.44% |
| Originator Back-End DTI | 15 | 2.61% |
| Property Type | 15 | 2.55% |
| Sales Price | 1 | 0.17% |
| Subject State | 1 | 0.17% |
| Subject Zipcode | 2 | 0.34% |
| The Original Principal and Interest Payment Amount | 3 | 0.52% |

---

## Exhibit 99.06

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

**Exhibit 99.06 - Schedule 6**

---

| | |
|:---|:---|
| **Report Pulled:** | 6/15/2026 |
| **Loan Count:** | 574 / 588 |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 2160466 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2159558 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2159558 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159559 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159559 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2159562 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2159562 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159562 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2159541 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159561 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159543 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2163597 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2155625 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2142215 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2163604 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2163599 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2155623 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2163598 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2155626 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2155624 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2165552 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2155622 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2163602 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2163600 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2163601 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2163605 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2163603 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2164867 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155651 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155652 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2155652 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2165380 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2160569 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160586 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2142230 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2142229 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2142226 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2160584 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160584 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2160585 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160585 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2160583 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2165389 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2165384 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2165384 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2165386 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2165390 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2165387 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2165388 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2163748 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160045 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160045 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2165394 | XXXX | Property Type | Multi Family | 1 Family Attached |
| XXXX | XXXX | 2165399 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160043 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2160043 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2165401 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2158147 | XXXX | Property Type | Multi Family | 1 Family Attached |
| XXXX | XXXX | 2165403 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2163752 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2163752 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2163755 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2165398 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2161449 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2161449 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161449 | XXXX | Property Type | SFR | 2 Family |
| XXXX | XXXX | 2163917 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2163917 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2163917 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2163917 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2161453 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2143111 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2143111 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2137448 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2163534 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2163534 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2143108 | XXXX | Loan Purpose | Refinance (Rate/Term) | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2133344 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2137447 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144039 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2163536 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2163537 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2152616 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144615 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2154895 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2154895 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2154895 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2163535 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144613 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2159528 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159528 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2159537 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2159537 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159537 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2159537 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2159531 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159531 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2159531 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2159531 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2159532 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159532 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2159532 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2159532 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2159526 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2159526 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159526 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2159526 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2159527 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159527 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2159527 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2159534 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159534 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2159535 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2159535 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159535 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2159535 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2159536 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159536 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2159536 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2161446 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2161446 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2163918 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2163919 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161443 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161443 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2163920 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161444 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161444 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2163921 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2163921 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2163921 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2163921 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2163922 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2163922 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2163922 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2163922 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2163922 | XXXX | Subject State | W | WV |
| XXXX | XXXX | 2163924 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161447 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2161447 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161447 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2161448 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2161448 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2163925 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2163925 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2163925 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2163925 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2163925 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2163926 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2163928 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2163930 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161452 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2161452 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2161452 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161452 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2161452 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2161452 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2161450 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161451 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161451 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2126996 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2164836 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164836 | XXXX | Loan Purpose | NoCash-Out Refinance | Construction to Permanent: A mortgage loan on comp |
| XXXX | XXXX | 2130362 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2133214 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2153388 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2153388 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153388 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2153388 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2161627 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161626 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2139937 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2136066 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2144884 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164835 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2142486 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164834 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2164834 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2161625 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2161625 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166756 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2166756 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153479 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166783 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166782 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153086 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2161624 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166781 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166780 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158757 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161623 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164833 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161622 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2161622 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161621 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161620 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161591 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164831 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164830 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164829 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164805 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164806 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166779 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156375 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156374 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156373 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164828 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2164828 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166778 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2166778 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166777 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2166777 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166776 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2166776 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161619 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153449 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166775 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161618 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166774 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164827 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161617 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161616 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161615 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166773 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164826 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161614 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164825 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2161613 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161612 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2161611 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161610 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164824 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164823 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161609 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2161609 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161608 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164822 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164821 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164820 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164819 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158698 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166771 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161607 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166757 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164818 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2164817 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2164817 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164816 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161606 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161605 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161604 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166758 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161603 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161602 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164815 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166770 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161601 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161600 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161599 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164814 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164812 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161597 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2161597 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161596 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161595 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164811 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164810 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166768 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161594 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166767 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166766 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161593 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166765 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166764 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2161592 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164809 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166763 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166761 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166760 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2166759 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2160338 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164863 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2164863 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2162524 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160341 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153134 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2153134 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2153131 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2153131 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160324 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2160324 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2160323 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160340 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2145913 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2160325 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160326 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160327 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160332 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2159538 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2159538 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2159538 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2154531 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2154531 | XXXX | Property Type | SFR | Townhouse |
| XXXX | XXXX | 2160469 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2112644 | XXXX | Loan Purpose | NoCash-Out Refinance | Cash Out: Debt Consolidation- Proceeds used to pay |
| XXXX | XXXX | 2110699 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2123299 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160497 | XXXX | Loan Purpose | Cash-Out Refinance | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2158301 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156821 | XXXX | Property Type | Detached | 1 Family Attached |
| XXXX | XXXX | 2156824 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2156824 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2156824 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2160028 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155558 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160003 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2154937 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2160492 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2155545 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156847 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2158318 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2156852 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2163451 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2165420 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2165420 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2165420 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2165420 | XXXX | Sales Price | XXXX | XXXX |
| XXXX | XXXX | 2163463 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2165446 | XXXX | Property Type | Attached | Single Family Detached non-PUD |
| XXXX | XXXX | 2160329 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2141764 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2141764 | XXXX | Occupancy Type | Investor | Second Home |
| XXXX | XXXX | 2141764 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2141764 | XXXX | Original Loan Amount | XXXX | XXXX |

---

## Exhibit 99.06

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

**Exhibit 99.06 - Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Program** | **Document Type** | **Asset Depletion Flag** | **Length of Income Verification in months** | **Investment DSCR (Rent/PITIA)** | **Rent DSCR** | **PITIA DSCR** | **Number of Borrowers** | **Number of Natural Borrowers** | **Borrower/Guarantor Resident Indicator National** | **Co Borrower/Guarantor Resident Indicator** | **Borrower 3/Guarantor Resident Indicator** | **Borrower 4/Guarantor Resident Indicator** | **Borrower Guarantor/Employment Indicator** | **Co Borrower/Guarantor Employment Indicator** | **Borrower 3 Employment Indicator** | **Borrower 4 Employment Indicator** | **TILA Status** | **Lease in-Place for Investment Property** | **Short Term Rental Flag** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11 (Application Date)** | **Months Bankruptcy 13 (Application Date)** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu (Application Date)** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC) (Application Date)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure (Application Date)** | **Original Qualifying FICO** | **Borrower Original FICO: Equifax** | **Borrower Original FICO: Experian** | **Borrower Original FICO: Transunion** | **Borrower Original FICO** | **Co-Borrower Original FICO: Equifax** | **Co-Borrower Original FICO: Experian** | **Co-Borrower Original FICO: Trans Union** | **Co Borrower Original FICO** | **Borrower 3 Original FICO: Equifax** | **Borrower 3 Original FICO: Experian** | **Borrower 3 Original FICO: Trans Union** | **Borrower 3 Original FICO** | **Borrower 4 Original FICO: Equifax** | **Borrower 4 Original FICO: Experian** | **Borrower 4 Original FICO: TransUnion** | **Borrower 4 Original FICO** |
| XXXX | 2160466 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160467 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159558 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159559 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2159562 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159541 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159561 | XXXX | XXXX | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2159543 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163597 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155625 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142215 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.109 | 2000.00 | 1803.34 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163604 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163599 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155623 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163598 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155626 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155624 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165552 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155622 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163602 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163600 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163601 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163605 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163603 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 3 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Not Employed | Self-Employed | Self-Employed |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |
| XXXX | 2164867 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.312 | 2800.00 | 2133.52 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155653 | XXXX | XXXX | 0 | 11 months or less income verification | 1.077 | 1330.00 | 1234.35 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155651 | XXXX | XXXX | 0 | 11 months or less income verification | 2.014 | 1750.00 | 869.08 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155652 | XXXX | XXXX | 0 | 11 months or less income verification | 1.26 | 6100.00 | 4842.71 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155654 | XXXX | XXXX | 0 | 11 months or less income verification | 1.057 | 2200.00 | 2082.19 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161441 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.492 | 4998.00 | 3350.85 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161442 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.492 | 5000.00 | 3350.85 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165380 | XXXX | XXXX | 0 | 11 months or less income verification | 1.321 | 1300.00 | 984.46 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160569 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.092 | 2400.00 | 2198.33 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160586 | XXXX | XXXX | 0 | 11 months or less income verification | 1.286 | 2895.00 | 2250.99 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2142230 | XXXX | XXXX | 0 | 11 months or less income verification | 1.286 | 2895.00 | 2250.98 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2142229 | XXXX | XXXX | 0 | 11 months or less income verification | 1.286 | 2895.00 | 2250.98 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2142226 | XXXX | XXXX | 0 | 11 months or less income verification | 1.286 | 2895.00 | 2251.00 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160584 | XXXX | XXXX | 0 | 11 months or less income verification | 1.102 | 2895.00 | 2624.98 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160585 | XXXX | XXXX | 0 | 11 months or less income verification | 1.102 | 2895.00 | 2624.98 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160583 | XXXX | XXXX | 0 | 11 months or less income verification | 1.286 | 2895.00 | 2250.98 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165391 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.008 | 1320.00 | 1309.64 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165389 | XXXX | XXXX | 0 | 11 months or less income verification | 1.009 | 2300.00 | 2278.82 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165384 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.47 | 1425.00 | 969.60 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165381 | XXXX | XXXX | 0 | 11 months or less income verification | 1.438 | 1050.00 | 730.06 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165383 | XXXX | XXXX | 0 | 11 months or less income verification | 1.35 | 2600.00 | 1925.80 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165386 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.431 | 1800.00 | 1258.03 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165385 | XXXX | XXXX | 0 | 11 months or less income verification | 1.037 | 2000.00 | 1928.64 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165390 | XXXX | XXXX | 0 | 11 months or less income verification | 1.293 | 1950.00 | 1508.43 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165387 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.013 | 3920.00 | 3869.34 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165388 | XXXX | XXXX | 0 | 11 months or less income verification | 1.276 | 1400.00 | 1097.02 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165402 | XXXX | XXXX | 0 | 11 months or less income verification | 1.495 | 2205.00 | 1474.88 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163745 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.355 | 2090.00 | 1541.94 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163756 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.181 | 1900.00 | 1608.97 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165397 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.201 | 1300.00 | 1082.83 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163748 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.58 | 3220.00 | 2064.30 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165393 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.711 | 1600.00 | 935.12 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160045 | XXXX | XXXX | 0 | 11 months or less income verification | 1.13 | 1640.00 | 1450.99 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165394 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.198 | 3600.00 | 3004.18 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152657 | XXXX | XXXX | 0 | 11 months or less income verification | 1.655 | 1400.00 | 845.90 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165399 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.86 | 2259.00 | 1214.22 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163747 | XXXX | XXXX | 0 | 12 to 23 months income verification | 3.019 | 4500.00 | 1490.62 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165395 | XXXX | XXXX | 0 | 11 months or less income verification | 1.159 | 1800.00 | 1553.24 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165396 | XXXX | XXXX | 0 | 11 months or less income verification | 1.163 | 1800.00 | 1547.99 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160043 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.297 | 1700.00 | 1310.28 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165401 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.31 | 4000.00 | 3054.17 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158145 | XXXX | XXXX | 0 | 11 months or less income verification | 1.32 | 1650.00 | 1250.13 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165400 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.055 | 1100.00 | 1042.95 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158143 | XXXX | XXXX | 0 | 11 months or less income verification | 1.647 | 2150.00 | 1305.26 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165392 | XXXX | XXXX | 0 | 11 months or less income verification | 1.171 | 2340.00 | 1998.28 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160046 | XXXX | XXXX | 0 | 11 months or less income verification | 1.675 | 1900.00 | 1134.09 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163746 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.153 | 1161.00 | 1007.04 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160044 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.63 | 1465.00 | 898.95 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158147 | XXXX | XXXX | 0 | 11 months or less income verification | 1.421 | 1610.00 | 1132.96 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163751 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.564 | 1275.00 | 815.14 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163750 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.357 | 1295.00 | 954.58 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163749 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.418 | 1275.00 | 898.99 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165403 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.376 | 1850.00 | 1344.81 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163752 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.006 | 1980.00 | 1969.14 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163753 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.001 | 1980.00 | 1977.35 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163755 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.272 | 1925.00 | 1513.81 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163754 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.513 | 1350.00 | 892.30 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165404 | XXXX | XXXX | 0 | 11 months or less income verification | 1.602 | 1700.00 | 1061.05 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165398 | XXXX | XXXX | 0 | 11 months or less income verification | 1.152 | 3195.00 | 2772.42 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161449 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.528 | 3600.00 | 2355.81 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163917 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.077 | 1950.00 | 1810.33 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161453 | XXXX | XXXX | 0 | 11 months or less income verification | 1.13 | 1430.00 | 1266.99 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143111 | XXXX | XXXX | 0 | 11 months or less income verification | 1.147 | 2300.00 | 2004.42 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137448 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.851 | 1495.00 | 807.81 | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163534 | XXXX | XXXX | 0 | 11 months or less income verification | 1.402 | 1600.00 | 1140.83 | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2143108 | XXXX | XXXX | 0 | 12 to 23 months | 1.118 | 1200.00 | 1073.80 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163533 | XXXX | XXXX | 0 | 12 to 23 months | 1.104 | 1550.00 | 1403.50 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133344 | XXXX | XXXX | 0 | 12 to 23 months | 1.3 | 1600.00 | 1230.76 | 3 | 2 | Foreign National | Foreign National |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137447 | XXXX | XXXX | 0 | 12 to 23 months | 1.448 | 2310.00 | 1595.31 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144039 | XXXX | XXXX | 0 | 11 months or less income verification | 1.45 | 8045.00 | 5549.08 | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163536 | XXXX | XXXX | 0 | 11 months or less income verification | 1.979 | 5250.00 | 2652.85 | 4 | 3 | Foreign National | Foreign National | Foreign National |  | Not Employed | Not Employed | Not Employed |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163537 | XXXX | XXXX | 0 | 11 months or less income verification | 1.52 | 7569.50 | 4980.94 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137445 | XXXX | XXXX | 0 | 12 to 23 months | 1.429 | 3800.00 | 2659.99 | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137441 | XXXX | XXXX | 0 | 12 to 23 months | 1.268 | 3000.00 | 2366.34 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152616 | XXXX | XXXX | 0 | 11 months or less income verification | 2.514 | 10126.29 | 4027.47 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144054 | XXXX | XXXX | 0 | 11 months or less income verification | 1.543 | 2050.00 | 1328.71 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144036 | XXXX | XXXX | 0 | 11 months or less income verification | 1.3 | 1580.00 | 1215.38 | 3 | 2 | Foreign National | Foreign National |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144013 | XXXX | XXXX | 0 | 11 months or less income verification | 1.277 | 1740.00 | 1363.07 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144028 | XXXX | XXXX | 0 | 11 months or less income verification | 1.357 | 2500.00 | 1842.93 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144014 | XXXX | XXXX | 0 | 11 months or less income verification | 1 | 1200.00 | 1199.99 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144022 | XXXX | XXXX | 0 | 11 months or less income verification | 1.862 | 2500.00 | 1342.62 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144615 | XXXX | XXXX | 0 | 11 months or less income verification | 1.199 | 1675.00 | 1397.45 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154895 | XXXX | XXXX | 0 | 11 months or less income verification | 1.239 | 2800.00 | 2260.69 | 2 | 1 | Foreign National |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163535 | XXXX | XXXX | 0 | 11 months or less income verification | 1.534 | 1815.00 | 1183.27 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144601 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.116 | 3500.00 | 3135.84 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144613 | XXXX | XXXX | 0 | 11 months or less income verification | 1.619 | 1457.50 | 900.30 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163538 | XXXX | XXXX | 0 | 11 months or less income verification | 1.387 | 1800.00 | 1297.63 | 4 | 3 | U.S. Citizen | Foreign National | Foreign National |  | Not Employed | Not Employed | Not Employed |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159528 | XXXX | XXXX | 0 | 11 months or less income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159537 | XXXX | XXXX | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159531 | XXXX | XXXX | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Employed |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2159532 | XXXX | XXXX | 0 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | Non-Permanent Resident-Alien |  |  | Employed | Employed |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159526 | XXXX | XXXX | 1 | 11 months or less income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2159527 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2159534 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2159535 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2159536 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161446 | XXXX | XXXX | 0 | 11 months or less income verification | 1.082 | 1850.00 | 1710.41 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163918 | XXXX | XXXX | 0 | 11 months or less income verification | 1.279 | 1599.00 | 1250.66 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163919 | XXXX | XXXX | 0 | 11 months or less income verification | 1.585 | 1775.00 | 1119.65 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161443 | XXXX | XXXX | 0 | 11 months or less income verification | 1.901 | 1445.00 | 760.14 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161455 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.186 | 1925.00 | 1622.64 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2161445 | XXXX | XXXX | 0 | 11 months or less income verification | 1.133 | 2000.00 | 1764.91 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163920 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.981 | 5319.00 | 2685.59 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161444 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.654 | 1400.00 | 846.34 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 | Chapter 7 | XXXX | 1 | 207 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163921 | XXXX | XXXX | 0 | 11 months or less income verification | 1.209 | 1200.00 | 992.27 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163922 | XXXX | XXXX | 0 | 11 months or less income verification | 1.039 | 1100.00 | 1058.57 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163924 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.128 | 7150.00 | 6341.44 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163929 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.678 | 3400.00 | 2025.95 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161447 | XXXX | XXXX | 0 | 11 months or less income verification | 0.835 | 2500.00 | 2993.61 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161448 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.03 | 1650.00 | 1597.09 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163925 | XXXX | XXXX | 0 | 11 months or less income verification | 1.385 | 2500.00 | 1805.44 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161454 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.322 | 1500.00 | 1134.80 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163926 | XXXX | XXXX | 0 | 11 months or less income verification | 1.357 | 1550.00 | 1142.20 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163928 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.178 | 1850.00 | 1570.71 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163930 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.01 | 3200.00 | 2768.59 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161452 | XXXX | XXXX | 0 | 12 to 23 months income verification | 0.95 | 2300.00 | 2420.24 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161450 | XXXX | XXXX | 0 | 12 to 23 months income verification | 2.011 | 5400.00 | 2685.58 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161451 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.916 | 5150.00 | 2687.86 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164862 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2126996 | XXXX | XXXX | 0 | 11 months or less income verification | 1.23 | 1700.00 | 1382.48 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164836 | XXXX | XXXX | 0 | 11 months or less income verification | 1.732 | 3400.00 | 1962.88 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2130362 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133214 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153388 | XXXX | XXXX | 0 | 11 months or less income verification | 0.771 | 3680.00 | 4769.95 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161627 | XXXX | XXXX | 0 | 11 months or less income verification | 1.633 | 1400.00 | 857.54 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161626 | XXXX | XXXX | 0 | 11 months or less income verification | 1.81 | 1500.00 | 828.58 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139937 | XXXX | XXXX | 0 | 11 months or less income verification | 1.005 | 4200.00 | 4179.38 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136066 | XXXX | XXXX | 0 | 11 months or less income verification | 1.711 | 1375.00 | 803.57 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144884 | XXXX | XXXX | 0 | 11 months or less income verification | 1.012 | 4500.00 | 4444.64 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164835 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.369 | 1200.00 | 876.75 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142486 | XXXX | XXXX | 0 | 11 months or less income verification | 1.722 | 1400.00 | 813.19 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164834 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161625 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.212 | 1950.00 | 1608.52 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166756 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.245 | 6150.00 | 4938.85 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153479 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.076 | 4655.00 | 4326.66 | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166783 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.594 | 6600.00 | 4140.81 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166782 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.169 | 7000.00 | 5985.89 | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153086 | XXXX | XXXX | 0 | 11 months or less income verification | 1.216 | 1900.00 | 1562.89 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Non-Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162966 | XXXX | XXXX | 0 | 11 months or less income verification | 1.036 | 3300.00 | 3185.24 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161624 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.319 | 1100.00 | 834.16 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156415 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166781 | XXXX | XXXX | 0 | 11 months or less income verification | 1.071 | 1000.00 | 933.71 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166780 | XXXX | XXXX | 0 | 11 months or less income verification | 1.163 | 2500.00 | 2149.07 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158757 | XXXX | XXXX | 0 | 11 months or less income verification | 1.383 | 1525.00 | 1102.49 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161623 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.328 | 5100.00 | 3840.36 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2164833 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.744 | 1600.00 | 917.35 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161622 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.717 | 1200.00 | 698.88 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161621 | XXXX | XXXX | 0 | 12 to 23 months income verification | 2.011 | 1980.00 | 984.54 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164832 | XXXX | XXXX | 0 | 11 months or less income verification | 1.77 | 1600.00 | 904.10 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161620 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.588 | 1500.00 | 944.72 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161591 | XXXX | XXXX | 0 | 11 months or less income verification | 1.732 | 5231.00 | 3020.24 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164831 | XXXX | XXXX | 0 | 11 months or less income verification | 1.2 | 1400.00 | 1166.44 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164830 | XXXX | XXXX | 0 | 11 months or less income verification | 0.837 | 2900.00 | 3464.60 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2164829 | XXXX | XXXX | 0 | 11 months or less income verification | 1.615 | 2000.00 | 1238.01 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164805 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.293 | 6625.00 | 5124.18 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164806 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.552 | 6830.00 | 4400.96 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166779 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.395 | 1100.00 | 788.63 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156375 | XXXX | XXXX | 0 | 41 to 23 months income verification | 1.258 | 1900.00 | 1509.97 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156374 | XXXX | XXXX | 0 | 40 to 23 months income verification | 1.105 | 1895.00 | 1714.74 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156373 | XXXX | XXXX | 0 | 45 to 23 months income verification | 1.111 | 1700.00 | 1529.59 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164828 | XXXX | XXXX | 0 | 11 months or less income verification | 1.001 | 2906.00 | 2903.96 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166778 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.1 | 1725.00 | 1567.70 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166777 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.161 | 1850.00 | 1593.01 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166776 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.032 | 1700.00 | 1646.54 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161619 | XXXX | XXXX | 0 | 11 months or less income verification | 1.704 | 2825.00 | 1657.49 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153449 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.391 | 1650.00 | 1185.90 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166775 | XXXX | XXXX | 0 | 11 months or less income verification | 2.082 | 4200.00 | 2016.99 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161618 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.422 | 1100.00 | 773.83 | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166774 | XXXX | XXXX | 0 | 11 months or less income verification | 1.608 | 1500.00 | 932.79 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164827 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.716 | 4400.00 | 2563.73 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161617 | XXXX | XXXX | 0 | 12 to 23 months income verification | 2.4 | 1900.00 | 791.60 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161616 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.409 | 2822.00 | 2003.08 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161615 | XXXX | XXXX | 0 | 11 months or less income verification | 1.516 | 3037.00 | 2003.08 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166773 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.543 | 1200.00 | 777.58 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156364 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.002 | 2435.00 | 2430.59 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164826 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.112 | 950.00 | 854.49 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161614 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.993 | 1350.00 | 677.47 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164825 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161613 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.841 | 1301.00 | 706.76 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161612 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161611 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.673 | 1300.00 | 777.15 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161610 | XXXX | XXXX | 0 | 11 months or less income verification | 1.433 | 2300.00 | 1605.39 | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164824 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.285 | 1199.00 | 933.06 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164823 | XXXX | XXXX | 0 | 11 months or less income verification | 1.586 | 1100.00 | 693.56 | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161609 | XXXX | XXXX | 0 | 11 months or less income verification | 1 | 2500.00 | 2499.88 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161608 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.272 | 6000.00 | 4715.70 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164822 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.237 | 1100.00 | 889.33 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164821 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.49 | 1400.00 | 939.55 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164820 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.19 | 1100.00 | 924.50 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164819 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.223 | 1150.00 | 940.58 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158698 | XXXX | XXXX | 0 | 11 months or less income verification | 1.31 | 1600.00 | 1242.93 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166771 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.514 | 2150.00 | 1420.08 | 4 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2161607 | XXXX | XXXX | 0 | 11 months or less income verification | 1.577 | 1150.00 | 729.14 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166757 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.493 | 11400.00 | 7637.36 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164818 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164817 | XXXX | XXXX | 0 | 12 to 23 months income verification | 0.847 | 3000.00 | 3541.70 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164816 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.266 | 3450.00 | 2724.18 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161606 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.561 | 1600.00 | 1025.16 | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161605 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.461 | 1350.00 | 923.86 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2161604 | XXXX | XXXX | 0 | 11 months or less income verification | 1.231 | 1000.00 | 812.05 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166758 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.1 | 7171.00 | 6516.24 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161603 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.28 | 1000.00 | 781.40 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161602 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.287 | 1000.00 | 777.28 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164815 | XXXX | XXXX | 0 | 11 months or less income verification | 1.689 | 1250.00 | 740.01 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166770 | XXXX | XXXX | 0 | 11 months or less income verification | 1.501 | 1050.00 | 699.37 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161601 | XXXX | XXXX | 0 | 11 months or less income verification | 2.187 | 1800.00 | 823.12 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161600 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.116 | 1600.00 | 1433.24 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2161599 | XXXX | XXXX | 0 | 11 months or less income verification | 1.303 | 1475.00 | 1132.03 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2161598 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164814 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.303 | 1200.00 | 921.05 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164812 | XXXX | XXXX | 0 | 11 months or less income verification | 1.556 | 1350.00 | 867.62 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161597 | XXXX | XXXX | 0 | 11 months or less income verification | 1.055 | 2195.00 | 2079.60 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161596 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.306 | 1360.00 | 1041.63 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161595 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.245 | 1250.00 | 1004.27 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164811 | XXXX | XXXX | 0 | 11 months or less income verification | 1.749 | 1400.00 | 800.56 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164810 | XXXX | XXXX | 0 | 11 months or less income verification | 1.533 | 1100.00 | 717.61 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166768 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.429 | 3000.00 | 2099.59 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161594 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.78 | 1650.00 | 926.77 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166767 | XXXX | XXXX | 0 | 11 months or less income verification | 1.496 | 1075.00 | 718.64 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166766 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.614 | 1300.00 | 805.35 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161593 | XXXX | XXXX | 0 | 11 months or less income verification | 1.163 | 2700.00 | 2322.28 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166765 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.667 | 1300.00 | 779.68 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166764 | XXXX | XXXX | 0 | 12 to 23 months income verification | 2.141 | 3400.00 | 1588.29 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2161592 | XXXX | XXXX | 0 | 12 to 23 months income verification | 2.009 | 1475.00 | 734.31 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164809 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.023 | 3360.00 | 3285.17 | 3 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166763 | XXXX | XXXX | 0 | 11 months or less income verification | 0.913 | 3750.00 | 4106.76 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166761 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.917 | 7000.00 | 3651.11 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166760 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.767 | 1475.00 | 834.83 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2166759 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160338 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.386 | 2400.00 | 1731.32 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160330 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.047 | 1500.00 | 1432.94 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160337 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.195 | 1895.00 | 1585.35 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2159574 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.259 | 1350.00 | 1072.16 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164864 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.013 | 2500.00 | 2466.47 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164863 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.718 | 5700.00 | 3318.62 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162524 | XXXX | XXXX | 0 | 11 months or less income verification | 0.88 | 1820.00 | 2076.49 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164868 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.126 | 1650.00 | 1465.90 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164865 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.733 | 1500.00 | 865.69 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154538 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.886 | 1225.00 | 649.51 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160341 | XXXX | XXXX | 0 | 12 to 23 months income verification | 0.87 | 3900.00 | 4483.06 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2164866 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.22 | 1800.00 | 1475.24 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162523 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.63 | 2500.00 | 1534.00 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162525 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.447 | 2480.00 | 1713.62 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2162526 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.488 | 2590.00 | 1740.18 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160339 | XXXX | XXXX | 0 | 11 months or less income verification | 1.094 | 2700.00 | 2468.74 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153134 | XXXX | XXXX | 0 | 11 months or less income verification | 1.247 | 1450.00 | 1162.41 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153131 | XXXX | XXXX | 0 | 11 months or less income verification | 1.355 | 1900.00 | 1402.02 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 | Chapter 7 | XXXX | 1 | 55 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160324 | XXXX | XXXX | 0 | 11 months or less income verification | 1.282 | 2200.00 | 1716.19 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160335 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.177 | 1600.00 | 1359.16 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160323 | XXXX | XXXX | 0 | 11 months or less income verification | 1.362 | 1955.00 | 1435.19 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160340 | XXXX | XXXX | 0 | 11 months or less income verification | 1.153 | 1600.00 | 1388.18 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160331 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.053 | 4200.00 | 3984.83 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160333 | XXXX | XXXX | 0 | 11 months or less income verification | 1.194 | 2300.00 | 1926.66 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160322 | XXXX | XXXX | 0 | 11 months or less income verification | 1.274 | 1800.00 | 1412.91 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145913 | XXXX | XXXX | 0 | 11 months or less income verification | 1.022 | 1800.00 | 1761.34 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2139808 | XXXX | XXXX | 0 | 11 months or less income verification | 0.918 | 1700.00 | 1852.14 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160336 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.113 | 1900.00 | 1707.19 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2145902 | XXXX | XXXX | 0 | 11 months or less income verification | 1.087 | 2050.00 | 1886.60 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160325 | XXXX | XXXX | 0 | 11 months or less income verification | 0.949 | 1650.00 | 1738.30 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160326 | XXXX | XXXX | 0 | 11 months or less income verification | 1.165 | 1550.00 | 1330.22 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160327 | XXXX | XXXX | 0 | 11 months or less income verification | 1.167 | 1550.00 | 1328.65 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160468 | XXXX | XXXX | 0 | 11 months or less income verification | 1.663 | 2100.00 | 1262.40 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165787 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165788 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165789 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165790 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165791 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165792 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 4 | 4 | U.S. Citizen | U.S. Citizen | U.S. Citizen | U.S. Citizen | Self-Employed | Self-Employed | Employed | Employed | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 2165793 | XXXX | XXXX | 0 | 11 months or less income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165794 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165795 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165796 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165797 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160332 | XXXX | XXXX | 0 | 11 months or less income verification | 1.028 | 2400.00 | 2334.17 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153135 | XXXX | XXXX | 0 | 11 months or less income verification | 1.12 | 3500.00 | 3125.29 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160328 | XXXX | XXXX | 0 | 11 months or less income verification | 1.001 | 2950.00 | 2945.91 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2159538 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154531 | XXXX | XXXX | 0 | 11 months or less income verification | 1.104 | 1850.00 | 1675.16 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160469 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2023933 | XXXX | XXXX | 0 | 11 months or less income verification | 1.397 | 2400.00 | 1717.69 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158332 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2112644 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2141280 | XXXX | XXXX | 0 | 11 months or less income verification | 1.731 | 2300.00 | 1328.65 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156819 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.185 | 4000.00 | 3375.14 | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160485 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2122533 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2117032 | XXXX | XXXX | 0 | 11 months or less income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2110699 | XXXX | XXXX | 0 | 11 months or less income verification | 1.636 | 2000.00 | 1222.71 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144679 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2126952 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2123299 | XXXX | XXXX | 0 | 11 months or less income verification | 1.147 | 6650.00 | 5795.33 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131391 | XXXX | XXXX | 0 | 12 to 23 months income verification | 2.817 | 4240.00 | 1504.93 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2129533 | XXXX | XXXX | 0 | 11 months or less income verification | 1.022 | 1275.00 | 1247.22 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2133451 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.249 | 1795.00 | 1436.85 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136026 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.138 | 1800.00 | 1582.07 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142405 | XXXX | XXXX | 0 | 11 months or less income verification | 1.042 | 1750.00 | 1678.70 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160488 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2132221 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2137673 | XXXX | XXXX | 0 | 11 months or less income verification | 1.012 | 3500.00 | 3458.57 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2131389 | XXXX | XXXX | 0 | 11 months or less income verification | 1.668 | 2600.00 | 1559.02 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156857 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141272 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152712 | XXXX | XXXX | 0 | 11 months or less income verification | 1.058 | 1050.00 | 991.81 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160494 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | Not Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160493 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | Not Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154899 | XXXX | XXXX | 0 | 11 months or less income verification | 1.95 | 2400.00 | 1230.53 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160002 | XXXX | XXXX | 1 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165405 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163432 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165406 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155519 | XXXX | XXXX | 0 | 11 months or less income verification | 1.362 | 1350.00 | 991.32 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2148776 | XXXX | XXXX | 0 | 11 months or less income verification | 1.107 | 1300.00 | 1173.98 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155522 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.178 | 1425.00 | 1210.10 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2156820 | XXXX | XXXX | 0 | 11 months or less income verification |  |  |  | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158341 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158300 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2155527 | XXXX | XXXX | 0 | 11 months or less income verification | 1.075 | 1575.00 | 1464.64 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2155535 | XXXX | XXXX | 0 | 11 months or less income verification | 1.198 | 4800.00 | 4005.51 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152698 | XXXX | XXXX | 0 | 11 months or less income verification | 1.197 | 1375.00 | 1148.99 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2144669 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2148778 | XXXX | XXXX | 0 | 11 months or less income verification | 1.122 | 2800.00 | 2494.40 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160497 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.223 | 1347.00 | 1101.71 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153257 | XXXX | XXXX | 0 | 11 months or less income verification | 1.211 | 3300.00 | 2725.68 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156825 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2142433 | XXXX | XXXX | 0 | 11 months or less income verification | 1.013 | 2850.00 | 2812.07 | 2 | 1 | Permanent Resident-Alien |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156833 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165410 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141248 | XXXX | XXXX | 0 | 11 months or less income verification | 1.1 | 1400.00 | 1272.70 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156845 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160001 | XXXX | XXXX | 0 | 11 months or less income verification | 1.036 | 3400.00 | 3282.88 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163433 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144676 | XXXX | XXXX | 0 | 11 months or less income verification | 1.298 | 1800.00 | 1386.16 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144675 | XXXX | XXXX | 0 | 11 months or less income verification | 1.627 | 1500.00 | 921.69 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144429 | XXXX | XXXX | 0 | 11 months or less income verification | 1.29 | 1900.00 | 1471.72 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156840 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.793 | 3990.00 | 2225.81 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155549 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.61 | 4100.00 | 2547.19 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163436 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165411 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2153261 | XXXX | XXXX | 0 | 11 months or less income verification | 1.835 | 2000.00 | 1090.12 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153259 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153274 | XXXX | XXXX | 0 | 11 months or less income verification | 1 | 3050.00 | 3049.90 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144448 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156818 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.299 | 2800.00 | 2155.83 | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160000 | XXXX | XXXX | 0 | 11 months or less income verification | 1 | 3020.00 | 3007.68 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2148772 | XXXX | XXXX | 0 | 11 months or less income verification | 1.082 | 2400.00 | 2219.01 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2144458 | XXXX | XXXX | 0 | 11 months or less income verification | 1.395 | 2050.00 | 1470.00 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163871 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158304 | XXXX | XXXX | 0 | 11 months or less income verification | 1.327 | 1375.00 | 1036.11 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154904 | XXXX | XXXX | 0 | 11 months or less income verification | 2.331 | 2400.00 | 1029.68 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154903 | XXXX | XXXX | 0 | 11 months or less income verification | 2.393 | 2400.00 | 1002.85 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160016 | XXXX | XXXX | 0 | 11 months or less income verification | 0.932 | 1900.00 | 2039.00 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158342 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158301 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.336 | 4825.00 | 3611.34 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155533 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.43 | 1650.00 | 1153.58 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158311 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163434 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2156821 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.055 | 1350.00 | 1280.02 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156822 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160489 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.25 | 2650.00 | 2119.87 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155560 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1 | 3900.00 | 3899.32 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156823 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.345 | 1300.00 | 966.41 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156865 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156824 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.158 | 2250.00 | 1943.77 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165615 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165616 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153263 | XXXX | XXXX | 0 | 11 months or less income verification | 1.175 | 9100.00 | 7743.26 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155548 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.033 | 3000.00 | 2902.76 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156831 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153264 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160496 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160026 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160012 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.174 | 1550.00 | 1320.73 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160028 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.27 | 1450.00 | 1141.29 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155538 | XXXX | XXXX | 0 | 11 months or less income verification | 1.071 | 1900.00 | 1774.45 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158333 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.993 | 2150.00 | 1079.04 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155539 | XXXX | XXXX | 0 | 11 months or less income verification | 1.198 | 1925.00 | 1606.70 | 3 | 3 | U.S. Citizen | Permanent Resident-Alien | U.S. Citizen |  | Not Employed | Not Employed | Not Employed |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |
| XXXX | 2155558 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.718 | 2965.00 | 1725.43 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153272 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160490 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156828 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.281 | 3100.00 | 2420.59 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2152714 | XXXX | XXXX | 0 | 11 months or less income verification | 1.007 | 3550.00 | 3525.54 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165409 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156863 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2156830 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.029 | 1300.00 | 1263.93 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154919 | XXXX | XXXX | 0 | 11 months or less income verification | 1.316 | 1650.00 | 1253.59 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155542 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.366 | 1900.00 | 1390.64 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156829 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.012 | 1925.00 | 1902.24 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154936 | XXXX | XXXX | 0 | 11 months or less income verification | 1.362 | 2250.00 | 1651.65 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154921 | XXXX | XXXX | 0 | 11 months or less income verification | 1.397 | 1750.00 | 1252.70 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158305 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.634 | 3050.00 | 1866.91 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156850 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158321 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.535 | 3100.00 | 2019.73 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158303 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160003 | XXXX | XXXX | 0 | 11 months or less income verification | 1.38 | 3000.00 | 2180.65 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153271 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158326 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160491 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158340 | XXXX | XXXX | 0 | 11 months or less income verification | 1.313 | 1325.00 | 1009.32 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158317 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.508 | 3075.00 | 2039.51 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154937 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.445 | 1600.00 | 1107.24 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160011 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2153268 | XXXX | XXXX | 0 | 11 months or less income verification | 1.028 | 1900.00 | 1847.38 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160013 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158308 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158316 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.793 | 2200.00 | 1226.83 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160492 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.037 | 3250.00 | 3133.28 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158309 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2155545 | XXXX | XXXX | 0 | 11 months or less income verification | 1.984 | 3400.00 | 1713.88 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2155570 | XXXX | XXXX | 0 | 11 months or less income verification | 1.014 | 2500.00 | 2465.46 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155572 | XXXX | XXXX | 0 | 11 months or less income verification | 1.126 | 2600.00 | 2308.42 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2155546 | XXXX | XXXX | 0 | 11 months or less income verification | 1.017 | 2400.00 | 2360.81 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2155565 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.166 | 4250.00 | 3644.31 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158310 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.746 | 2950.00 | 1689.63 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156835 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2156837 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.086 | 2000.00 | 1842.10 | 3 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | Not Employed | Not Employed | Not Employed |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |
| XXXX | 2160006 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158312 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.577 | 2350.00 | 1490.30 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156848 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154940 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.057 | 3500.00 | 3312.53 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160005 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.563 | 1600.00 | 1023.47 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156862 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.271 | 1850.00 | 1455.52 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156838 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156841 | XXXX | XXXX | 0 | 11 months or less income verification | 1.266 | 1500.00 | 1184.88 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2156839 | XXXX | XXXX | 0 | 11 months or less income verification | 1.708 | 2100.00 | 1229.43 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158314 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.883 | 2150.00 | 1141.88 | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Non-QM Verified | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154932 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160008 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156842 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156843 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2154927 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160009 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.088 | 1550.00 | 1424.21 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160027 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.07 | 1650.00 | 1542.65 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165430 | XXXX | XXXX | 1 | 11 months or less income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163457 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163438 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156844 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154929 | XXXX | XXXX | 0 | 11 months or less income verification | 1.025 | 1650.00 | 1609.44 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165630 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160502 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163881 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | Permanent Resident-Alien |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2156847 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.176 | 3085.00 | 2622.50 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156856 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156846 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156860 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163468 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156851 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156858 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156815 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158319 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.764 | 2250.00 | 1275.65 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158323 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156866 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.458 | 2600.00 | 1782.74 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160014 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.489 | 6200.00 | 4162.13 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163458 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158318 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.284 | 5552.00 | 4323.17 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158320 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.214 | 1700.00 | 1400.52 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160498 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156849 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158334 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163474 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163453 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156852 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.55 | 1330.00 | 858.16 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160507 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158322 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158324 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163442 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160499 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.313 | 1550.00 | 1180.28 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160500 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.089 | 4550.00 | 4179.70 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2154942 | XXXX | XXXX | 0 | 11 months or less income verification | 1.037 | 1850.00 | 1783.44 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163443 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156854 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.148 | 1500.00 | 1306.22 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163460 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163882 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165628 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158327 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163444 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158339 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.183 | 1600.00 | 1352.90 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158325 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158335 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.271 | 2050.00 | 1613.49 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160020 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.265 | 1550.00 | 1225.74 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156855 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.81 | 1900.00 | 1049.70 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165415 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160015 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163475 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160501 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163447 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160017 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163491 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163873 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165422 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2156827 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158331 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.427 | 1300.00 | 910.96 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2158330 | XXXX | XXXX | 0 | 11 months or less income verification | 1.427 | 1300.00 | 910.95 | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Not Employed | Not Employed |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2156859 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165640 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165428 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163455 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160018 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163449 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163451 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163874 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163459 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163465 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165420 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160503 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163454 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160508 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163875 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165624 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160022 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165419 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163461 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165438 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158336 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.003 | 2100.00 | 2092.95 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165646 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163483 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165426 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | Permanent Resident-Alien |  |  |  | Self-Employed |  |  |  | Non-QM Non-Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165626 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163463 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2160025 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165446 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160024 | XXXX | XXXX | 0 | 12 to 23 months income verification | 1.169 | 2450.00 | 2096.44 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163470 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160509 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158343 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165642 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163473 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163492 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165631 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165633 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Not Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165427 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165647 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165429 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163880 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163886 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165641 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165432 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163482 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | Permanent Resident-Alien | Permanent Resident-Alien |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165450 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165636 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165639 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165443 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Self-Employed | Self-Employed |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2165444 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165649 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2165648 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Non-QM Verified | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160329 | XXXX | XXXX | 0 | 11 months or less income verification | 1.02 | 1800.00 | 1765.34 | 2 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2158400 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2141764 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Employed |  |  |  | Safe Harbor Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2163776 | XXXX | XXXX | 0 | 24 months or more income verification |  |  |  | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | Employed | Employed |  |  | Rebuttable Presumption Verified QM | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 2163797 | XXXX | XXXX | 0 | 12 to 23 months income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | Self-Employed |  |  |  | Safe Harbor Verified QM | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2160334 | XXXX | XXXX | 0 | 11 months or less income verification | 1.079 | 1400.00 | 1297.58 | 1 | 1 | U.S. Citizen |  |  |  | Not Employed |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

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

**Exhibit 99.06 - Schedule 8**

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| **Loan Number** | **Loan ID** | **QM Status** | **ATR** | **Exempt Reason** | **TRID Flag** | **Bank Statement Flag** | **Business/Personal Bank Statement** | **Foreign National Flag** | **Bank Statement Months** | **Number of Units** | **Lease In Place Indicator** | **Short Term Rental indicator** | **Title Vesting Type** | **Entity Name** | **Guarantee** | **Recourse** | **AUS/GSE Eligible Flag** | **Non-QM DocType Flag** | **Non-QM DTI Flag** | **Non-QM Points and Fees Flag** | **Non-QM Appendix Q Flag** | **Non-QM IO Flag** | **Non-QM Investment Property Exemption Flag** | **Non-QM Business Purpose / Foreign National** | **Non-QM Loan Term Exceeds 30 yrs** | **Primary Borrower Retired Flag** | **Co-Borrower Retired Flag** | **State of Formation** | **Length of Self-Employment** | **Co-Borrower Length of Self-Employment** | **Qualifying Rent** | **Rent from Lease** | **Rent from Market Survey** | **Business Expense-to-Income Ratio** | **Source of Business Expense-to-Income Ratio** | **Third Party Preparer** | **Debt Service Coverage Ratio (DSCR)** | **Rent Source** | **DSCR PITIA** | **Residual Income** | **Borr 1 - Income Qual Months Personal Bank Statements** | **Borr 1 - Income Qual Months Business Bank Statements** | **Borr 1 - Income Qual Years W2** | **Borr 1 - Income Qual Years Tax Returns** | **Borr 1 - Income Qual WVOE Months** | **Borr 1 - Income Qual PNL Letter** | **Borr 1 - Income Qual CPA Letter** | **Borr 1 - Income Qual Number Paystubs** | **Borr 2 - Income Qual Months Personal Bank Statements** | **Borr 2 - Income Qual Months Business Bank Statements** | **Borr 2 - Income Qual Years W2** | **Borr 2 - Income Qual Years Tax Returns** | **Borr 2 - Income Qual WVOE Months** | **Borr 2 - Income Qual PNL Letter** | **Borr 2 - Income Qual CPA Letter** | **Borr 2 - Income Qual Number Paystubs** | **Borrower Last Name** | **Borrower First Name** | **Co Borrower Last Name** | **Co Borrower First Name** | **Subject Street Address** | **Subject City** | **Subject State** | **Subject Zip** | **MERs Min #** | **Qualifying Value** |
| XXXX | 2160466 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 20 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160467 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159558 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 19 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159559 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159562 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159541 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 3 | 0 | 5 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159561 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159543 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 1 | 12 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163597 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 35 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155625 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142215 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163604 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163599 | QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155623 | Safe Harbor Verified QM | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 8 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163598 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155626 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155624 | QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165552 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155622 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 8 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163602 | QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163600 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 23 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163601 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 44 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163605 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163603 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164867 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX |  |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155653 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | MS | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155651 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155652 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155654 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161441 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161442 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165380 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160569 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160586 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142230 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142229 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142226 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160584 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160585 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160583 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165391 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165389 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165384 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165381 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165383 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165386 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165385 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165390 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165387 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165388 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165402 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163745 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163756 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165397 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163748 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165393 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160045 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165394 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152657 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165399 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163747 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165395 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165396 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160043 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165401 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |
| XXXX | 2165401-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165401-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165401-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158145 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165400 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158143 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165392 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160046 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163746 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160044 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158147 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163751 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163750 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163749 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165403 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163752 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163753 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163755 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163754 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165404 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 |  | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165398 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 |  |  | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |
| XXXX | 2165398-01 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165398-02 |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161449 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163917 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161453 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OK | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2143111 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137448 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 |  | KY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163534 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 1 | 0 | 0 |  | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2143108 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163533 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2133344 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137447 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144039 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 5 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163536 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 4 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |
| XXXX | 2163536-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163536-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163536-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163536-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163537 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |
| XXXX | 2163537-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163537-02 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163537-03 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163537-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163537-05 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163537-06 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137445 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CT | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137441 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | CT | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152616 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144054 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144036 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144013 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144028 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MD | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144014 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144022 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144615 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154895 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 1 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163535 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144601 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144613 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163538 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | No | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159528 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159537 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159531 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159532 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159526 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159527 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 10 | 10 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159534 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159535 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 6 | 6 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159536 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 13 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161446 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163918 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 |  | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163919 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161443 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | WA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161455 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161445 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163920 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161444 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163921 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163922 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WV | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163924 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |
| XXXX | 2163924-01 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163924-02 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163924-03 |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163924-04 |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163929 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161447 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161448 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163925 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161454 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163926 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163928 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163930 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161452 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161450 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161451 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164862 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 17 | XXXX | XXXX | XXXX | XXXX | Standard Ratio per Guidelines |  |  | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2126996 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164836 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2130362 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 8 | 0 | XXXX | XXXX |  | XXXX | Business Expense Ratio Statement |  |  | Lease | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2133214 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 24 | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 8 | 0 | XXXX | XXXX |  | XXXX | Business Expense Ratio Statement |  |  | Lease | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153388 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161627 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161626 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139937 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136066 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144884 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164835 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142486 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164834 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 2 | 0 |  |  | XXXX | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161625 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166756 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AZ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153479 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166783 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166782 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Other | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153086 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2162966 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161624 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156415 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NE | 9 | 0 | XXXX | XXXX |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166781 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166780 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158757 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161623 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164833 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161622 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161621 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164832 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161620 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161591 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164831 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164830 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164829 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164805 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164806 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166779 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156375 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156374 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156373 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164828 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166778 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166777 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166776 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161619 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153449 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166775 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161618 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OK | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166774 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164827 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161617 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MO | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161616 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161615 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166773 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156364 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164826 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161614 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164825 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161613 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161612 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161611 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161610 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164824 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164823 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161609 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | DE | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161608 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164822 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164821 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164820 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164819 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158698 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166771 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | ID | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161607 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166757 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 8 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164818 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164817 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | VA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164816 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161606 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161605 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161604 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166758 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 7 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161603 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161602 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164815 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166770 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161601 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161600 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161599 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161598 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | SC | 0 | 0 |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 24 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164814 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164812 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161597 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | WA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161596 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161595 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164811 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164810 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166768 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161594 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166767 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166766 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161593 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DC | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166765 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166764 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2161592 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164809 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166763 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166761 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166760 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2166759 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 28 | 0 | 0 | 3 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160338 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160330 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160337 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159574 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164864 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164863 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 6 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2162524 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164868 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164865 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154538 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160341 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2164866 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2162523 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2162525 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2162526 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160339 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MD | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153134 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153131 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160324 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160335 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160323 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | AL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160340 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160331 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160333 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | ID | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160322 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145913 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2139808 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160336 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2145902 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160325 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160326 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160327 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160468 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165787 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 2 | 29 | 0 | 0 | 4 | 0 | 0 | 2 | 2 | 28 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165788 | QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 30 | 0 | 0 | 5 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165789 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 30 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165790 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 1 | 1 | 31 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165791 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 24 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165792 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 6 | 6 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165793 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165794 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 30 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165795 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 5 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165796 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165797 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 12 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160332 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | MD | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153135 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160328 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2159538 | Non-QM Non-Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 15 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154531 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160469 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 17 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2023933 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158332 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2112644 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 | NJ | 4 | 5 |  |  |  |  |  |  |  | Personal Tax Returns | XXXX | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 5 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2141280 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156819 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160485 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2122533 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2117032 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 8 | 0 | 0 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2110699 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144679 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2126952 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2123299 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2131391 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2129533 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2133451 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2136026 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142405 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160488 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 15 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2132221 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 1 | 0 | 25 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2137673 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2131389 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156857 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2141272 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 13 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152712 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160494 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 5 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160493 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 5 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154899 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 3 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160002 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165405 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 3 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163432 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 27 | 16 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165406 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 34 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155519 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2148776 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155522 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156820 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 1 | FL | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158341 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 19 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158300 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 30 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155527 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155535 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152698 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144669 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 | NC | 15 | 0 | XXXX |  | XXXX | XXXX | Standard Ratio per Guidelines |  |  | Market Survey | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2148778 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160497 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153257 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156825 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2142433 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156833 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 16 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165410 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2141248 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156845 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160001 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163433 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144676 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144675 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144429 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | PA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156840 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155549 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163436 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165411 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 17 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 25 | 0 | 0 | 3 | 12 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153261 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153259 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153274 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144448 | Non-QM Non-Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156818 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160000 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 1 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2148772 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2144458 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163871 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158304 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154904 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154903 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160016 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158342 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158301 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155533 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Inter Vivos Trust | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158311 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 | AZ | 3 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163434 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156821 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KS | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156822 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160489 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155560 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156823 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Inter Vivos Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156865 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156824 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165615 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165616 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153263 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | DE | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155548 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156831 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153264 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 11 |  | XXXX |  | XXXX | XXXX | Standard Ratio per Guidelines |  |  | Market Survey | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160496 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 0 |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 24 | 4 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160026 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 15 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160012 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160028 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | TN | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155538 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158333 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155539 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155558 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153272 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160490 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156828 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WA | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2152714 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165409 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156863 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 21 | 17 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156830 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154919 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155542 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156829 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154936 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154921 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158305 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 |  | 0 | 0 | DE | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156850 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158321 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | WY | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158303 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160003 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153271 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 26 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 26 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158326 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160491 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 5 |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158340 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | OH | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158317 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154937 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  |  |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160011 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2153268 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160013 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NC | 0 | 0 |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158308 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158316 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | KY | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160492 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158309 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 5 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155545 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CO | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155570 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155572 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155546 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2155565 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158310 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 4 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156835 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156837 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160006 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158312 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156848 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154940 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160005 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156862 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | IL | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156838 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 30 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156841 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156839 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 2 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 | IN | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158314 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 | WI | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154932 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160008 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156842 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156843 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 2 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 26 | 0 | 0 | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154927 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160009 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160027 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165430 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163457 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163438 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156844 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154929 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165630 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160502 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163881 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 7 | 7 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156847 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | OR | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156856 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156846 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156860 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163468 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156851 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | GA | 0 | 0 |  |  | XXXX |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156858 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156815 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158319 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158323 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Inter Vivos Trust | XXXX | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156866 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | CA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160014 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163458 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158318 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 3 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158320 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160498 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156849 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 6 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158334 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163474 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 26 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163453 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156852 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160507 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158322 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158324 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163442 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 20 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160499 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160500 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 2 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2154942 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163443 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156854 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | TX | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163460 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 8 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163882 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165628 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158327 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 12 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163444 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 21 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158339 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158325 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NY | 25 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158335 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160020 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | NJ | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156855 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165415 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 10 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160015 | Non-QM Verified | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 20 | 20 | XXXX |  | XXXX |  |  |  |  | Market Survey | XXXX | XXXX | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163475 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160501 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 10 | 10 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163447 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160017 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163491 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 11 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163873 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165422 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 2 | 0 | 19 | 0 | 0 | 5 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156827 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158331 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158330 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2156859 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 20 | 20 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165640 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165428 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163455 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160018 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163449 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163451 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 6 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163874 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 4 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163459 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163465 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 3 |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165420 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 16 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160503 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 25 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163454 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160508 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | XXXX | Business Expense Ratio Statement |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163875 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165624 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 5 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160022 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 15 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165419 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163461 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 14 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165438 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 24 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158336 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | LA | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165646 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 9 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163483 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 16 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165426 | Non-QM Non-Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165626 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 13 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163463 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 15 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160025 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 10 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165446 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160024 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163470 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 16 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160509 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 19 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158343 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 4 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165642 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 1 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163473 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 20 | 20 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163492 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165631 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165633 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 0 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165427 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165647 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165429 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 10 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163880 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163886 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165641 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165432 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 20 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163482 | Non-QM Verified | N/A |  | 1 | 1 | Personal | 0 | 12 | 2 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 3 | 4 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165450 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 5 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165636 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 3 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165639 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 1 |  | 0 | 0 | 0 | 0 | 0 |  |  | 23 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165443 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 10 | 10 |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165444 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 1 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165649 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 22 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2165648 | Non-QM Verified | N/A |  | 1 | 1 | Business | 0 | 12 | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 2 |  |  |  |  | XXXX | Standard Ratio per Guidelines |  |  |  | XXXX | XXXX | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160329 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | FL | 0 | 0 | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2158400 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 0 | 0 | 30 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2141764 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 3 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163776 | Rebuttable Presumption Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 1 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | 0 | 2 | 0 | 26 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 25 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2163797 | Safe Harbor Verified QM | N/A |  | 1 | 0 |  | 0 |  | 1 | 1 | 0 | Individual |  | No |  | 1 | 0 |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  |  | 60 |  | XXXX | XXXX | XXXX |  |  |  |  | Lease | XXXX | XXXX | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |
| XXXX | 2160334 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | 1 | 0 | 0 | Individual |  | No |  | 0 | 1 |  | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX |  |  |  | XXXX | Market Survey | XXXX | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XX | XXXX | XXXX | XXXX |

---

## Exhibit 99.07

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

**Exhibit 99.07**

![](ex9907001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>

Executive Summary<br>EFMT 2026-NQM7<br>Dated: June 15, 2026 <br>

**290 S. Preston Road \| Suite 370 \| Prosper, TX 75078**<br>**P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

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

**Sample size of the assets reviewed.**

The final population of the Review covered 123 loans, including 46 Residential and 77 Business Purpose Loans totaling an aggregate original principal balance of approximately $57,682,833.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

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

The Review was conducted consistent with the criteria for Moody's Investors Service, Inc., and DBRS, Inc., the NRSRO's identified in Item 3 of the ABS Due Diligence-15E.

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

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

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

---

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| | | |
|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

*Credit Application*

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

*Credit Report*

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

*Borrowing Entity*

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

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| | | |
|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

*Property Income*

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

*Employment and Income:* 

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

*Valuation Review*

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

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

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

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| | | |
|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

*Asset Review*

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

*Insurance*

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

*Title*

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

*Fraud / Criminal Background*

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

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

● Calculate DSCR as required by the guidelines

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

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

---

| | | |
|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

---

![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;45 | &nbsp;&nbsp;36.59% | &nbsp;&nbsp;45 | &nbsp;&nbsp;36.59% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;77 | &nbsp;&nbsp;62.60% | &nbsp;&nbsp;77 | &nbsp;&nbsp;62.60% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;80 | &nbsp;&nbsp;65.04% | &nbsp;&nbsp;80 | &nbsp;&nbsp;65.04% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;43 | &nbsp;&nbsp;34.96% | &nbsp;&nbsp;43 | &nbsp;&nbsp;34.96% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;106 | &nbsp;&nbsp;86.18% | &nbsp;&nbsp;106 | &nbsp;&nbsp;86.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;13.82% | &nbsp;&nbsp;17 | &nbsp;&nbsp;13.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;69 | &nbsp;&nbsp;56.10% | &nbsp;&nbsp;69 | &nbsp;&nbsp;56.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;53 | &nbsp;&nbsp;43.09% | &nbsp;&nbsp;53 | &nbsp;&nbsp;43.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**123** | &nbsp;&nbsp;**100.00%** |

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**Data Integrity Summary**

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;123 | &nbsp;&nbsp;6.50% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;23 | &nbsp;&nbsp;123 | &nbsp;&nbsp;18.70% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;98 | &nbsp;&nbsp;123 | &nbsp;&nbsp;79.67% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;15 | &nbsp;&nbsp;123 | &nbsp;&nbsp;12.20% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;15 | &nbsp;&nbsp;123 | &nbsp;&nbsp;12.20% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;11 | &nbsp;&nbsp;123 | &nbsp;&nbsp;8.94% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;123 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;21 | &nbsp;&nbsp;123 | &nbsp;&nbsp;17.07% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;29 | &nbsp;&nbsp;123 | &nbsp;&nbsp;23.58% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;37 | &nbsp;&nbsp;123 | &nbsp;&nbsp;30.08% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;20 | &nbsp;&nbsp;123 | &nbsp;&nbsp;16.26% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;42 | &nbsp;&nbsp;123 | &nbsp;&nbsp;34.15% |

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**APPENDIX A**

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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|:---|:---|:---|
|  | vi) | any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures; |
| b) | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> |

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(XI) FIRREA Review**

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

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

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

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

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Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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

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

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

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

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 15 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence
 that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 16 \| P a g e |

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![](ex9907002.jpg)

Forward Thinking. Seamless Solutions.

**(XIII) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
 Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain
 other disclosures related to the enumerated tests set forth herein.

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|:---|:---|:---|
| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 17 \| P a g e |

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## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 1**

![](evolve-logo.jpg)

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| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 06/15/2026 12:31:32 PM** |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1693290 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1692213 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1692935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1688427 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1689887 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1687851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687864 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693352 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1689413 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1688481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1692934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1693094 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1691244 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | C | C | C | C | C A D B | C | C | C | C | C A |
| 1693364 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693353 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693358 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A C D B | N/A | N/A | N/A | N/A | N/A B |
| 1693293 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693016 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1693091 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1690204 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693193 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 1692582 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693183 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693836 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693289 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693288 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1692830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693921 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1690970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1694014 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1692819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1690867 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693090 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693100 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1691152 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1694144 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693005 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1692811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1694004 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693651 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1694133 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1692575 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1694143 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1693245 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693092 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693291 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1693177 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693845 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1692926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1693194 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693728 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693101 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1693931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A C D | A | A | A | A | A B |
| 1693652 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1693653 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1693011 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693368 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693180 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693198 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693735 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1694140 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693284 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693108 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1693285 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 1694148 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693848 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693294 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693740 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693736 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693187 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693727 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1694012 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693105 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 1693932 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1694145 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1694135 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693927 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1694008 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693657 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1694292 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693371 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1694280 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1694359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693172 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1694206 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1693295 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1694209 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1693733 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1694017 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1694142 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693739 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693731 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1693922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1693732 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693095 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1694215 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1694354 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1694217 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1693835 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1693930 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1694208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1694016 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1693195 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1693839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1693363 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1693737 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 1694138 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1694286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX B | A | A | A | A | A B | A | A | A | A | A |
| 1693925 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1694349 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 1694207 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1694211 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| 1694018 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1694362 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1694283 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1694355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |

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## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 2**

![](evolve-logo.jpg)

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| |
|:---|
| **Exception Detail** |
| **Run Date - 06/15/2026 12:31:32 PM** |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1688427 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | As per XXXXXXXXX guidelines, the maximum XXXX for a cash out refinance with a XXXX score is XXXXXX XXXXX is stacked to XXXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX payment history XXXXXXXXXX XXXXX XXXXXX of XXXXXX where the guideline requires XXXXXXX XXXXXXX months reserves where the guideline minimum is XX months. |  |  |  | 03/03/2026 B | 2 | XXXXXXXXXX | RI | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1688481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Subject listed for sale within the last XXX months and is temporarily off market. XXXXXXXX XXXX cancelled listing verifying property taken off market prior to application. | XXXXXXXX reflects property is not listed for sale as of XXXXXXXX |  |  | 03/04/2026 |  | A | 1 | XXXXXXXXXX | AL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1689413 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide updated XXXXXXXXX XXXXXXXXX with the correct loan amount listed. | Information provided |  |  | 03/16/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1690970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | Allowed minimum XXXXX of XXXX where minimum XXXXX for program is XXXXXX |  | Client approved with compensating factors: XXXXXXXXX is a seasoned investor who owns over XXX properties, XXXXXXXX months of reserves where XX months are required. |  |  |  | 04/08/2026 B | 2 | XXXXXXXXXX | TN | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1691152 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide a XXXX as to why all closing docs are signed by the borrower the day before the notary. XXXXXXXXX XXXXXXX XXXXXXXXXX and the notary signed on XXXXXXXXXXX | Information provided |  |  | 04/13/2026 |  | A | 1 | XXXXXXXXXX | NC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1691152 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Compliance |  | Compliance - TRID CD- Other |  | Borrower consummated the loan prior to the date listed on the XXXXXXXX XXXXXXXXXXX as the consummation date reflects XXXXXXXXXXX | Information provided |  |  | 04/13/2026 |  | A | 1 | XXXXXXXXXX | NC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1691244 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines state when property appraisal states XXXXXXXXXX market XXXXXXX XXXXXXXXXXX approval is required. |  | Received approval for declining market. XXXXXXXXXXXXX XXXXXXXX - XXXX XXXX XXXX XXXXX score XXXXX min XXXXX residual income XXXXXXX |  |  |  | 04/14/2026 B | 2 | XXXXXXXXXX | NC | 1 | 1 D C B | C | C A |  | Safe Harbor QM (APOR) | 1 |
| 1691244 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  |  |  |  |  |  | C | 3 | XXXXXXXXXX | NC | 1 | 1 D C B | C | C A |  | Safe Harbor QM (APOR) | 1 |
| 1691244 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines state XXXXXXX XXXXX XXXXXXXXX must be XXXX listed for sale and the listing agreement must be evidenced in the file o XXXXXXXXX may be listed up to XXX days after closing with prior senior management approval - XXXXXXXX this in file. | Received XXX |  |  | 04/14/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 D C B | C | C A |  | Safe Harbor QM (APOR) | 1 |
| 1691244 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Guidelines require XXXXXXXXX XXXXX for borrowers no more than XXX days prior to funding, no XXXXX is in file. | VVOE provided |  |  | 04/10/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 D C B | C | C A |  | Safe Harbor QM (APOR) | 1 |
| 1692819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | The cash out exceeds the maximum for the XXXXXXXX XXXXXXXXX program of XXXXXXXXXXXXXXXX XXXX borrower is receiving cash back in the amount of XXXXXXXXXXXXXXXXX |  | Client waived with compensating factors: XXXX is XXXX and XXXX is XXXXXX XXXX borrower has job stability of over XX years. XXXX borrower has owned the primary residence over XX years. |  |  |  | 04/30/2026 B | 2 | XXXXXXXXXX | CA | 2 | 13 C B | A | A |  | Non-QM | 1 |
| 1692819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Seasoning Requirement Not Met |  | The borrower has less than the required XX months seasoning for cash out on the foreign national program. |  | Client waived with compensating factors: XXXX is XXXX and XXXX is XXXXXX XXXX borrower has job stability of over XX years. XXXX borrower has owned the primary residence over XX years. |  |  |  | 04/30/2026 B | 2 | XXXXXXXXXX | CA | 2 | 13 C B | A | A |  | Non-QM | 1 |
| 1692819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | The borrower does not have sufficient credit references for the foreign national program. XXXX XXXXXXXX XXXXXXXXX XXXXXXXXXX without XXXXXXXXXXX XXXXXXX XXXXXXX must provide evidence of three XXXXXX active trade lines with a XXXXXXX history for the primary income earner. |  | Client waived with compensating factors: XXXX is XXXX and XXXX is XXXXXX XXXX borrower has job stability of over XX years. XXXX borrower has owned the primary residence over XX years. |  |  |  | 04/30/2026 B | 2 | XXXXXXXXXX | CA | 2 | 13 C B | A | A |  | Non-QM | 1 |
| 1692830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Guideline''''s require a multi family valuation to be completed on XXXXX XXXXXX XXXXXXXXXX was completed on XXXXX XXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XX x XXX mortgage payment history; XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months; and XXXXXXXXXXX XXXXX of XXXXX |  |  |  | 04/30/2026 B | 2 | XXXXXXXXXX | OH | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1692830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Guidelines require two years of multifamily experience on a XXXXXXXXX XXXXX XXXXX XXXXX XXXXXX XXXXXXX XXXXXXXXX has XX months of experience. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XX x XXX mortgage payment history; XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months; and XXXXXXXXXXX XXXXX of XXXXX |  |  |  | 04/30/2026 B | 2 | XXXXXXXXXX | OH | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1692926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing a XXXXXXXXXX XXXXXXXXXXXXXX addressing the XXXXXXXXX XXXXXX XXXXXX on the XXXXXXX XXXXXXXX | Received processor XXXX |  |  | 05/13/2026 |  | A | 1 | XXXXXXXXXX | SC | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1692934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | Missing XXXXXXXX XXXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXXXXXX | XXXX provided |  |  | 05/11/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1692934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan XXXXXXXXX reflects the loan as a rate and term refinance, however loan was considered a cash out refinance as borrower paid off two consumer revolving accounts at closing. | Received revised approval |  |  | 05/03/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1692935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | Guidelines for XXXXXXXXX XXXXXXX doc loan program require a minimum XXXXX score of XXXX for a cash-out refinance. XXXXXXXXXXXXXX XXXXX was XXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX debt ratio of XXXXX (max XXXX allowed); XXXXXXXXX investor; XXXX time ownership |  |  |  | 04/30/2026 B | 2 | XXXXXXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1692935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | The XXXXXXX XXXXXXXXXX XXXXXXX was not found in the file. XXXXXXXX evidence of XXXXXXX XXXXXXXXXXX | Information provided |  |  | 05/01/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693016 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Missing XXXXX XXX days prior to closing for each borrower. | VVOE provided |  |  | 05/01/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1693090 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The borrower has a XXXXX day payment in the last XXX months on XXXXXX and the XXXXX XXXXX XXXXXXXXX XXXXX XXXXX program XXXXX unit requires a XXXXXXXX payment history. |  | Client waived with compensating factors: XXXX XXXX is XXXX with a max XXXX of XXXXXX XXXXX is XXXX and the minimum XXXXX is XXXXXX XXXX borrowers have XXXXXXXXXXXXXX in reserves or XXXX months and the required reserves are XX months. |  |  |  | 05/04/2026 B | 2 | XXXXXXXXXX | CA | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1693090 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | A full XXX month mortgage history is missing on the borrowers primary residence and the subject property under the XXXXXXXXX XXXXX XXXXX XXXXX XXXXX unit program a full XXX month history is required. |  | Client waived with compensating factors: XXXX XXXX is XXXX with a max XXXX of XXXXXX XXXXX is XXXX and the minimum XXXXX is XXXXXX XXXX borrowers have XXXXXXXXXXXXXX in reserves or XXXX months and the required reserves are XX months. |  |  |  | 05/04/2026 B | 2 | XXXXXXXXXX | CA | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1693091 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - IRS Transcripts required |  | Provide XXXXX and XXXXX XXXXX XXXXXXXXXXXX as required per guidelines under the XXXXX XXXXXXXXXXXXXX program when individual tax return, form XXXXXXX are used to qualify. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when XX months required, XXXX of XXXXXXXXX where the maximum allowed is XXXXX and XXXX fico score where the minimum required is XXXXX |  |  |  | 06/02/2026 B | 2 | XXXXXXXXXX | HI | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1693091 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete 1040's |  | UW Income/Employment UW - Missing/Incomplete 1040's COMMENT: Copies of XXXXX and XXXXX tax returns in file were not signed and dated. | Received signed XXXXX |  |  | 06/05/2026 |  | A | 1 | XXXXXXXXXX | HI | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1693091 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for cash out XXXXXXXXXXXXXX > XXXXXXXXXXXXXX maximum permitted under the XXXXX XXXXXXXXXXXXXX XXXXXXXXX XXXXXXX XXXXXXXXXX loan program. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXXXXX months reserves when XX months required, XXXX of XXXXXXXXX where the maximum allowed is XXXXX and XXXX fico score where the minimum required is XXXXX |  |  |  | 05/04/2026 B | 2 | XXXXXXXXXX | HI | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1693095 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | As per XXXXXXXXX guidelines, the maximum XXXX when gift funds are used is XXXXXX XXXXX XXXX is XXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX on current mortgage. XX score of XXXX when the minimum is XXXX for XXXXXX XXXXXXXXX income of XXXXXXXXXXXXX when the required is XXXXXXXX |  |  |  | 05/04/2026 B | 2 | XXXXXXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693100 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines XXXXXXXX on housing XXXXXXXXXX request XXXXXXXX on mtg last late was XXXXXXXX |  | Client XXXXXXX w/comp factors: XXXXX XXXXXXX when min XXXXX required is XXXXXXX XXXXX XXXX when min XXXXX is XXXXX XXXX XXXX under max allowed of XXXXX XXXXXXXX months reserves required when min reserves required is XX months, XXXXXXXXX investor. |  |  |  | 05/05/2026 B | 2 | XXXXXXXXXX | CA | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1693101 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | Guidelines XXXXXXXX XXXXXXX score is XXXX for XXXXX XXXX XXXXXXX XXXXXXXXXX XXXXXXXXX XXXXX XXXX XXXX XXX |  | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXX XXXX when max XXXX allowed is XXXX XXXXXX XXXXXXX XXXXXXX months reserves when XX reserves are required XXXXXXXXXXXX |  |  |  | 05/04/2026 B | 2 | XXXXXXXXXX | OR | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1693105 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 05/08/2026 |  | A | 1 | XXXXXXXXXX | WI | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1693105 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing XXX tolerance for increase in XXXXXXXXXX fee on the XXXXX XXX without a valid explanation. XXXXXXXXXX amount is XXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of closing XXXXXX | Information provided |  |  | 05/08/2026 |  | A | 1 | XXXXXXXXXX | WI | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1693108 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Unit XXXX is less than XXXX sq ft. |  | Exception approval received for square footage. compensating XXXXXXXX - XXXXXXXXXXXX investor, XXX years credit history, XXX months reserves- XXX months min. |  |  |  | 05/04/2026 B | 2 | XXXXXXXXXX | RI | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693177 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | If a majority of the income used to qualify is from a fixed income source, the maximum debt ratio is XXXX XXXXXXXXXXX by senior management only. XXX evidence of sr. management approval for the XXXX of XXXXXXXX and over XXXX of the income used in qualification was from social security and pension earnings. |  | Client waived with compensating factors: XXXXX credit-not a credit abuser, no derogatory credit, XXXXX XXXXX borrower''''s cash down XXXXXXXXXXXXXXX XXXXXX months reserves after close. |  |  |  | 05/06/2026 B | 2 | XXXXXXXXXX | OH | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693195 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | Loan XXXXXXXXXXXXX XXXXXXXXX with XXX narratives is missing from the file. | Loan XXXXXXXXXXXXX XXXXXXXXX with XXX narratives provided. |  |  | 05/05/2026 |  | A | 1 | XXXXXXXXXX | AZ | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1693195 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Lenders XXXXXXXXX does not mention property as a XXXXX | Information provided |  |  | 05/06/2026 |  | A | 1 | XXXXXXXXXX | AZ | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1693195 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | As per XXXXX XXX states they have not owned a property in the past XX years but the credit report shows XXXX property is owned by both borrowers. | Received revised XXXX |  |  | 05/07/2026 |  | A | 1 | XXXXXXXXXX | AZ | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1693246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Application |  | Application - Other: |  | The XXXXXX XXXXX XXXXXXXXXXXX reflected the property address house number as XXXXXX however, the XXXXXXXXX XXXXXXXXXX and XXXXXXXXXX reflected the house number as XXXXXXXXXXXX XXXXXXXX corrected XXXXXX XXXXX XXXXXXXXXXXX with correct address. | Information provided |  |  | 05/07/2026 |  | A | 1 | XXXXXXXXXX | AR | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - Property address incorrect or missing |  | The XXXXXX XXXXXXXXXXXX reflected the property address house number as XXXXXX however, the XXXXXXXXX XXXXXXXXXX and XXXXXXXXXX reflected the house number as XXXXXXXXXXXX XXXXXXXX corrected XXXXXX XXXXXXXXXXXX with correct address. | Information provided |  |  | 05/07/2026 |  | A | 1 | XXXXXXXXXX | AR | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines for the XXXXX unit XXXXX loan program require a minimum XXXXX of XXXXXXX XXXXXXXX XXXXX is XXXXX using current market rents in lieu of XXXXX XXXXX or XXXXXX amounts. |  | Client waived with compensating factors: XXXXXXXX mortgage history; XXXX middle XXXXX score; owned multi-family properties since XXXX |  |  |  | 05/06/2026 B | 2 | XXXXXXXXXX | AR | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693284 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Not Authorized |  | Max XXXX for non-warrantable condo on XXXXXXXXXXXX XXXXX XXXX XXXXXXXX is XXXXX subject closed with XXXX using XX stacked points. XXXXXXXXXX approval from senior management in file allowing for XXXX XXXX on non-warrantable condo |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX reserves when only XXXXXXXX required, XXXXXXX residual income when only XXXXXXX is required. and XXXX fico score where the minimum required is XXX |  |  |  | 05/06/2026 B | 2 | XXXXXXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693285 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | The subject property was noted as rural and consist of XXX acres. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the guideline maximum is XXXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXXX where the guideline minimum is XXXXXXX and post closing reserves of XXXXXXXX months. |  |  |  | 05/06/2026 B | 2 | XXXXXXXXXX | OH | 1 | 13 C B A | A | A C B |  | Non-QM | 1 |
| 1693286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete VOE |  | Missing a verbal verification of employment dated within XXX days of the note for the co-borrower. | VVOE dated XXXXXXXXXX provided |  |  | 05/07/2026 |  | A | 1 | XXXXXXXXXX | WI | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1693288 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Rent XXXXX XXXXXXXXX provided of XXXXXXXXX is less than the minimum required of XXXXXXXXXXXXX XXXX months of XXXXXXXXX | Rent loss provided |  |  | 05/07/2026 |  | A | 1 | XXXXXXXXXX | OH | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693288 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Please provide updated hazard policy with the policy number present. |  |  |  | 05/07/2026 |  | A | 1 | XXXXXXXXXX | OH | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693289 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Please provide updated hazard policy with the policy number present. | Information provided |  |  | 05/07/2026 |  | A | 1 | XXXXXXXXXX | OH | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693289 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Rent XXXXX XXXXXXXXX provided of XXXXXXXXX is less than the minimum required of XXXXXXXXXXXXX XXXX months of XXXXXXXXX | Received verification of XXX months rent loss coverage. |  |  | 05/07/2026 |  | A | 1 | XXXXXXXXXX | OH | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693290 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | Missing verification that the XXXXXXXX XXXXXXXX XXXXXX XXXXXXXXXXXXXXX XXXX cleared the borrower''''s XXXX prior to close. | Total assets provided XXXXXXXXXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX and XXXXXXX fee back out |  |  | 05/06/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1693290 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | There were XXXX assets verified in the loan file and XXXXXXXXXXXXXX were needed for funds to close. | Total assets provided XXXXXXXXXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX XXXXXXX |  |  | 05/06/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1693290 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | There were XXXX assets verified in the loan file and XXXXXXXXXXXXXX were needed for funds to close in addition the guidelines require XXXXXXXXX subject property reserves of XXXXXXXXXXXXXX | Total assets provided XXXXXXXXXXXXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXX XXXXXXXX XXXXXX |  |  | 05/06/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1693290 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | Provide a completed XXXXXX XXXXXXXX XXXXXXXXXXXXXX as required per guidelines for all XXXXXXXXXXXX properties. XXXXXXXX condominium to meet XXXXXXXXXXXXXXXX XXXXXXXXXXXX standards and per guidelines for the XXXXXXXXX XXXXXXX XXXXXXXX a XXXXXXXXX is ineligible. | Condo XXXXXXXX XXXXXXXXXXXXXX provided |  |  | 05/06/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1693291 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | If the borrower has rented for less than XXX months or doesn't have a housing history due to his/her living arrangements the requirement to have a full twelve months can be waived at the underwriter's discretion with a minimum XXXX XXXXXXX XXXXXXXXXXXX approval needed. | Sr XXXXX approved with no housing history |  |  | 05/13/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1693293 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | Missing the credit report for XXXXXXXXXX XXXXXX | Credit report provided. |  |  | 05/06/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693293 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The credit report is missing for XXXXXXX XXXXXX | Credit report provided. |  |  | 05/06/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693293 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | As per XXXXXXXXX guidelines, a minimum of XXXXXXXX is required. XXXXXXXXXX history is XXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX history of XXXXXXXXXX XXXXXXXXX reserves is XX months. XXXXXXXXXX have XXXXXX months reserves. XXXXXXXX XXXXX is XXXXXXXX XXXXX XXXXX is XXXXXXX |  |  |  | 05/06/2026 B | 2 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693293 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | As per XXXXXXXXX guidelines, a cash out letter is required. | LOE provided |  |  | 05/06/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693352 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Sr. XXXXXXXXXXX approval waiving the requirement for lease agreements and have accepted the estoppel certs, rent increase letters, and proof of rent receipt to support rental income being received. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXX of XXXXXXXX where the max allowed is XXXXX and XXXXX of XXXXXXX where the minimum required is XXXXX |  |  |  | 05/07/2026 B | 2 | XXXXXXXXXX | CA | 3 | 3 C B | N/A | N/A C B |  | Exempt | 1 |
| 1693352 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Sr. XXXXXXXXXXX approval XXX XXX day late payment on auto dated XXXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXX of XXXXXXXX where the max allowed is XXXXX and XXXXX of XXXXXXX where the minimum required is XXXXX |  |  |  | 05/07/2026 B | 2 | XXXXXXXXXX | CA | 3 | 3 C B | N/A | N/A C B |  | Exempt | 1 |
| 1693352 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Sr. XXXXXXXXXXX approval needed for each of the subject rental units being less than XXXX sq ft. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXX of XXXXXXXX where the max allowed is XXXXX and XXXXX of XXXXXXX where the minimum required is XXXXX |  |  |  | 05/07/2026 B | 2 | XXXXXXXXXX | CA | 3 | 3 C B | N/A | N/A C B |  | Exempt | 1 |
| 1693353 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - Property address incorrect or missing |  | Please provide updated flood certificate that reflects the correct property address per legal description. XXXXXXXXXXXX XXXXXX XXXXXXXX | Information provided |  |  | 05/19/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1693355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Approved XXXXXX at XXXX XXX XXXX w here a minimum XXXX XXX ft is required. |  | Client waived with compensating factors: XXXXXXXXX is an experienced investor, XXXXX scores of XXXXXXXX where a min XXXX is required, XXXX XXXX of XXXX where max XXXX is allowed. |  |  |  | 05/11/2026 B | 2 | XXXXXXXXXX | HI | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Per XXXXXXXXXX property is in a declining market due to oversupply. XXXXXXXXX in declining market requires senior managment approval. | Received XXX mgmt approval for declining market |  |  | 05/13/2026 |  | B | 2 | XXXXXXXXXX | HI | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693358 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The appraisal is missing from the file. | Appraisal provided. |  |  | 05/11/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1693358 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Missing for XX | Received XXX day XXXX |  |  | 05/11/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1693358 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Missing for XX | Received XXX day XXXX |  |  | 05/11/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1693358 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | As per XXXXXXXXX guidelines, the minimum subject size is XXXX XXXXX XXXXXXXX is XXXX XXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX residual income is XXXXXXXXX XXXXX residual income is XXXXXXXXXXXXXXX XX months reserves are required. XXXXX has XXXXXX months reserves. XXXXXXXXX history is XXXXXXX |  |  |  | 05/11/2026 B | 2 | XXXXXXXXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1693359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | All bridge loans must be approved by XXXXXXX XXXXXXXXXXXXX XXXXXXXXXX approval needed from senior management allowing for use of XXXXXXX XXXXXXX XXX verbiage provided stating bridge loan was approved by senior management. | Received XXX XXXXX approval for bridge loan. |  |  | 05/13/2026 |  | A | 1 | XXXXXXXXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | All programs XXXXXXXX XXXXXX XXXXXXXX is XX times current housing expense. XXXXXXXXXX have no mortgage payment on exiting primary. XXXXXXXXXX approval in fill from senior management allowing for payment shock to be over XXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXX months reserves when only XXXXXXXX required, residual income of XXXXXXX when only XXXXXXX is required and XXXX fico score where the minimum required is XXXX |  |  |  | 05/07/2026 B | 2 | XXXXXXXXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693363 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | Guidelines XXXX XXXX XXXXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXXX XXXX over XXXXXXXX |  | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXX XXXX when min required is XXXXX XXXXX XXXXXXX when min required is XXXXXXXX XXXXXXXX months reserves when min required is XX months reserves. XXXXXXXXXXXX XXXXXXXXXX |  |  |  | 05/11/2026 B | 2 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693364 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines XXXX XXX XXXXXXX XXXXXXXXXX XXXXXXXXX XXX under XXXXXX |  | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXX XXXXXX when min required XXXXX is XXXXXXXX XXXXX XXXX when min fico required is XXXXX XXXXXXX months reserves when only XX months reserves required, XXXXXXXXX is experienced multifamily investor. |  |  |  | 05/11/2026 B | 2 | XXXXXXXXXX | OH | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693364 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines XXXX units min XXXX sq ft. XXXXXXXXXX XXXXXXXXX XX unit under XXXX sq ft |  | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXXXX XXXXX XXXXXX when min required XXXXX is XXXXXXXX XXXXX XXXX when min fico required is XXXXX XXXXXXX months reserves when only XX months reserves required, XXXXXXXXX is experienced multifamily investor. |  |  |  | 05/11/2026 B | 2 | XXXXXXXXXX | OH | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693652 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Approved XXXXXXXXXX property |  | Client waived with compensating factors: XXXX XXXXX where XXXX is required, XXXXXXXXX has XXX years work history as XXXXXXX XXXXXXXXX of XXXXXXXXXXXX XXXXXXXXX has owned primary residence XX years. |  |  |  | 05/08/2026 B | 2 | XXXXXXXXXX | HI | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693652 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Management approval for XXXX sq ft XXXXXXX XXXXXXXX square footage allowed is XXXX sq ft. |  | Client waived with compensating factors: XXXX XXXXX where XXXX is required, XXXXXXXXX has XXX years work history as XXXXXXX XXXXXXXXX of XXXXXXXXXXXX XXXXXXXXX has owned primary residence XX years. |  |  |  | 05/08/2026 B | 2 | XXXXXXXXXX | HI | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693653 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | Loan XXXXXXX on XXXXXX XXXXXXX XXXXXXXXXX does XXXX match the approved loan amount of XXXXXXXXXXXX | Received revised title |  |  | 05/13/2026 |  | A | 1 | XXXXXXXXXX | TN | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1693657 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Missing XXXXX XXX days prior to closing. | Received XXX day XXXX |  |  | 05/11/2026 |  | A | 1 | XXXXXXXXXX | MO | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1693657 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | Minimum XXXXX per program XXXXXX XXXXXXXXX XXXXX score is XXXXX |  | Exception approval received for XXXXX score below XXXXXX XXXXXXXXXXXXX XXXXXXXX - XXXX XXXXX max XXXXX XXX months reserves- min XX months, residual income XXXXXXXX |  |  |  | 05/12/2026 B | 2 | XXXXXXXXXX | MO | 1 | 13 D B | A | A |  | Non-QM | 1 |
| 1693728 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Allowed foreign assets to be wired directly to the title company. |  | Client waived with compensating factors: XXXXXXXXXX has XXXXXXXXXXX in post closing reserves, XXXXXXXXXX have residual income of XXXXXXXXXX where XXXXX is required, XXXXXXXXXX are seasoned investors. |  |  |  | 05/11/2026 B | 2 | XXXXXXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693731 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide updated loan approval to reflect the correct XXXX and XXXXXXXXX XXXXX XXXXXXXXX in file list XXXX of XXXXXXXXXX actual XXXX XXXXXXXXX | Received updated approval |  |  | 05/13/2026 |  | A | 1 | XXXXXXXXXX | MA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1693732 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | Exception approval required for a XXXX exceeding XXXX for fixed income borrowers. XXXXXXX is XXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXX of XXXX XXXX residual income of XXXXXXXX exceeds program minimum of XXXXXXXXX and XXXX XXX months of reserves. |  |  |  | 05/12/2026 B | 2 | XXXXXXXXXX | AZ | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1693735 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | Guidelines for the XXXXXXXXX XXXXXXX loan program reflect a maximum XXXX XXXX for a cash out refinance. XXXXXXXX loan closed at XXXX XXXX XXXXXXXXXXX with stacked fees). |  | Client waived with compensating factors: XXXXXXXXX investor, owns XX additional investment properties; |  |  |  | 05/12/2026 B | 2 | XXXXXXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693737 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Borrower only has one XXXXXX active tradeline. XXXX guidelines, the borrower must have a minimum of two XXXXXX active tradelines. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXX XXXXX of XXXX where the guideline minimum is XXXXX XXXXXXXXX XXXXXXX of XXXXXXXXXXXX where the guideline minimum is XXXXXXXXX XXXXX XXXXXXXX XXXXXXXXX of XXXXXXX months where the guideline minimum is XX months. |  |  |  | 05/12/2026 B | 2 | XXXXXXXXXX | MI | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1693737 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | Loan XXXXXXX on XXXXXX XXXXXXX of XXXXXXXXX does not match the approved note loan amount of XXXXXXXXXXXX | Revised XXXXXX XXXXXXXXXXX provided |  |  | 05/15/2026 |  | A | 1 | XXXXXXXXXX | MI | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1693737 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 05/19/2026 |  | A | 1 | XXXXXXXXXX | MI | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1693739 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | Missing the following documents XXXX credit report for XXXXXXXX XXXXXXX XXXX XXXXXXXX history for a mortgage secured by XXXX XXXXXX having a XXXXX payment of XXXXXXXXXXXXX | Credit report provided, payment history provided. |  |  | 05/12/2026 |  | A | 1 | XXXXXXXXXX | ID | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1693739 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Payment shock exceeds XXXXX for a property that is currently owned free and clear |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX residual income of XXXXXXXXXXXX exceeds required minimum of XXXXXXXX XXXX XXXXX mortgage payment history XXXX post-closing reserves of XXXX months exceed required minimum of XX months. |  |  |  | 05/12/2026 B | 2 | XXXXXXXXXX | ID | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1693739 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Missing payment history for a mortgage secured by XXXX XXXXXX having a XXXXX payment of XXXXXXXXXXXXX | No lien XXXXXXXXXX XXX dated XXXXXXXXX provided |  |  | 05/13/2026 |  | A | 1 | XXXXXXXXXX | ID | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1693740 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - SS verification |  | Provide documentation validating the borrower''''s tax payer XXXXXXXXXX security number. | &nbsp;&nbsp;&nbsp;&nbsp;XXXXXXXXX with patriot act form. |  |  | 05/13/2026 |  | A | 1 | XXXXXXXXXX | WI | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693835 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV of XXXX exceeds the maximum XXXX of XXXX for borrower with XXXXX score greater than XXXX purchasing a XXXXXXX XXXXX with a XXXXX XXXXXXX greater than XXXXXXXXXXXX in the XXXXXXXXX XXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months of reserves when only XXX months are required; XXXX is XXXXXXXX where XXXX is the maximum allowed; XXXXXXXXX income of XXXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX |  |  |  | 05/13/2026 B | 2 | XXXXXXXXXX | UT | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1693835 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LA/CLA exceeds Max. Limit |  | The loan amount of XXXXXXXXXXXX exceeds the maximum loan amount of XXXXXXXXXXXX for the XXXXXXXXX XXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months of reserves when only XXX months are required; XXXX is XXXXXXXX where XXXX is the maximum allowed; XXXXXXXXX income of XXXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX |  |  |  | 05/13/2026 B | 2 | XXXXXXXXXX | UT | 2 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1693837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing exception for the borrower as a XXXXXX XXXXX investor and also considered a XXXXXX XXXXX XXXXXXXXXX which requires client approval. | Fraud XXXXXXX confirms borrower is not a XXXXX-time home buyer or XXXXX-time investor borrower sole two different properties in XXXXXXX |  |  | 05/14/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing approval for a XXXXXX XXXXX XXXXXXXXXX and XXXXXXXXX using short term rental income to qualify under the XXXXXXXXX XXXXX XXXXX XXXXX program. XXXXXXXX requires XXXXXXXX mortgage history. | Fraud XXXXXXX confirms borrower is not a XXXXX-time home buyer or XXXXX-time investor borrower sole two different properties in XXXXXXX |  |  | 05/14/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide an affidavit for non-occupancy as required per guidelines under the XXXXXXXXX XXXXXXX XXXXXXXXXX program. | Received XXXXXXXXX |  |  | 05/12/2026 |  | A | 1 | XXXXXXXXXX | HI | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception needed for subject property XXXX square feet < XXXX square feet minimum required per guidelines for a XXXXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXX months reserves when XX months required, XXXX of XXXXXXXXX where the maximum allowed is XXXXX XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX and XXXX fico score where the minimum required is XXXXX |  |  |  | 05/12/2026 B | 2 | XXXXXXXXXX | HI | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for payment shock for borrower who do not have a current primary housing payment as required per guidelines. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXXX where the max allowed is XXXXX XXXX of XXXXXXXXX where the maximum allowed is XXXXX XXXXXXXXX income of XXXXXXXXXXXX exceeds the minimum required of XXXXXXXXX and XXXX fico score where the minimum required is XXXXX |  |  |  | 05/12/2026 B | 2 | XXXXXXXXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 06/01/2026 |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | As per XXXXXXXXX matrix, XXXXXX XXXXXXXXXX can only be used on primary residences. XXXXXXXX is a XXXX home. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX XXXX is XXXXXX XXXXX XXXX us XXXXXXXXX XXXXXXXXX XXXXXXXXX income is XXXXXXXXX XXXXXXXXX has XXXXXXXXXXXXX in XXXXXXXXX income. XXXXXXXXX reserves is XX months. XXXXXXXXX has XXXXXXXX mo in XXXXXXXXXX |  |  |  | 05/14/2026 B | 2 | XXXXXXXXXX | TX | 2 | 1 C B | C | A |  | Non-QM | 1 |
| 1693922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  |  |  |  | 05/28/2026 |  | A | 1 | XXXXXXXXXX | TX | 2 | 1 C B | C | A |  | Non-QM | 1 |
| 1693925 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | As per appraisal, the subject is in a declining market. XXXXXXXXXXX in a declining market requires management approval. XXXXX noted in the file. | Received XXX XXXXX approval for declining market |  |  | 05/13/2026 |  | A | 1 | XXXXXXXXXX | UT | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1693930 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | MINIMUM XXXXXXXXX XXXXXXXXXXX XXXXX contain a minimum of XXXX square feet of gross living area. XXXXXXXXXXX that do not contain a minimum of XXXX square feet of gross living area may be permitted with senior management approval. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXX where the minimum needed is XXXXXX XXXXXXXXX reserves when only XXXXXXX required, and XXXX fico score where the minimum required is XXX |  |  |  | 05/13/2026 B | 2 | XXXXXXXXXX | UT | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Missing XXXXX XXX days before closing. | VVOE provided |  |  | 05/13/2026 |  | A | 1 | XXXXXXXXXX | OR | 1 | 13 D B A | A | A C B |  | Non-QM | 1 |
| 1694133 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | The subject is a mixed use property and consist of two rental units and one commercial unit. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXX XXXXXXXXX for other XXX years where the guideline requirement is two years, XXXXXXXXX XXXXXXX of XXXXXXXXXXXX where the guideline minimum is XXXXXXXX and XXXXXXXXX of XXXXXX months where the guideline requirement is XX months with an XXXX < XXXXX |  |  |  | 05/15/2026 B | 2 | XXXXXXXXXX | CA | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1694140 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | As per XXXXXXXXX guidelines, the minimum unit size is XXXX XXXXX XXXXXXXXX units are below XXXX XX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXX is XXXXXXX XXXXXX XXXXX is XXXXXXXX XXXXXXXX score is XXXXXX XXXXXXXXXX score is XXXXXX XXXXXXXXX history is XXXXXXXXX |  |  |  | 05/15/2026 B | 2 | XXXXXXXXXX | OH | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1694140 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | As per XXXXXXXXX guidelines, the minimum months reserves is XX months. XXXX enough reserves have been verified. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXX is XXXXXXX XXXXXX XXXXX is XXXXXXXX XXXXXXXX score is XXXXXX XXXXXXXXXX score is XXXXXX XXXXXXXXX history is XXXXXXXXX |  |  |  | 05/17/2026 B | 2 | XXXXXXXXXX | OH | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1694143 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Guidelines XX months reserves required XXXXXXXXXX XXXXXXXXX XXXXXX months reserves |  | COMPENSATING XXXXXXXXX XXXXXXX XXXXXXX w/comp factors: XXXXX XXXX minimum required XXXXX XXXXXXXXX XXXX when max is XXXXX XXXXX s/e when only XXXXX required. XXXXXXXXXX mtg history XXXXXXXX months . |  |  |  | 05/15/2026 B | 2 | XXXXXXXXXX | IL | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1694144 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX time investor on XXXXX loan requires senior management approval. XXXXXXXXXX approval allowing XXXXX time investor in file |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX reserves when only XXXXXXX required, XXXXX of XXXXXX when only XXXXX is required and XXXX fico score where the minimum required is XXX |  |  |  | 05/15/2026 B | 2 | XXXXXXXXXX | NV | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1694145 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | Max cash back to borrower on XXXXX XXXXXXXX is XXXXXXXXXXX borrower is receiving XXXXXXXXXXXXXXXXXX XXXXXXXXXX approval in file allowing for cash back to borrower to be greater than XXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXXX reserves when only XXXXXXXXX required. |  |  |  | 05/15/2026 B | 2 | XXXXXXXXXX | FL | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1694145 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR program requires XXXXX of XXXXX or greater, XXXXXX less than XXXXX require senior management approval. XXXXXXXXXX approval from senior management allowing for XXXXX of XXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXXX reserves when only XXXXXXXXX required. |  |  |  | 05/15/2026 B | 2 | XXXXXXXXXX | FL | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1694145 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Vacant properties are not allowed when transaction is a cash out refinance on an investment property. XXXXXXXXXX approval in file to allow for cash out refinance on vacant property being converted to investment property. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXXXX reserves when only XXXXXXXXX required. |  |  |  | 05/15/2026 B | 2 | XXXXXXXXXX | FL | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1694206 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Guidelines require a XXXXXXX XXXX to be completed for all wage earners. XX XXXXX was not provided. | VVOE dated XXXXXXXXX provided |  |  | 05/18/2026 |  | A | 1 | XXXXXXXXXX | LA | 2 | 1 D A | A | A |  | Non-QM | 1 |
| 1694207 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | The XXXXX calculation used the XXXXXX term rental income and under the XXXXXXXXX XXXXX XXXXX XXXXX program, short term rentals are not allowed. |  | Client waived with compensating factors: XXXXX is XXXX with a minimum score is XXXXXX XXXX borrowers previous mortgage history is XXXXXXXXX required mortgage history is XXXXXXXXXX XXXX borrower has reserves of XXXXXXXXXXXXXX or XXX months and the required reserves are XXX months. |  |  |  | 05/18/2026 B | 2 | XXXXXXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1694208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception needed for payment shock XXXXXXX > XXXXXX permitted per guidelines. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXXXXX and XXXXXXXX current mortgage payment history. |  |  |  | 05/18/2026 B | 2 | XXXXXXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1694208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Provide verification that the borrower''''s current mortgage payment was paid on time for the XXXXXXXXX mortgage payment as required per guidelines XXXXXXXXX | Credit report supports XXX months with no late payments with a mortgage statement showing the mortgage is current. |  |  | 05/19/2026 |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1694208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception needed for XXXX XXXXX < XXXX XXXXX required under the XXXXXXXXX XXXXXXXXX XXXXXXXX with a loan amount XXXXXXXXXXXX > XXXXXXXXXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXXXXX and XXXXXXXX current mortgage payment history. |  |  |  | 05/18/2026 B | 2 | XXXXXXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1694208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Funds to close were XXXXXXXXXXXXXX and the required XXXXXXXXXX subject property reserves of XXXXXXXXXXXXXX totaling XXXXXXXXXXXXXXXX XXXXXX in the amount of XXXXXXXXXXXXXX were verified, leaving a shortage of XXXXXXXXXXXXX | Updated verified cash to close XXXXXXXXXXXXXXXX XXXXXXXXX XXXXXXX months |  |  | 05/19/2026 |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1694209 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | DTI XXXXXXXXX > XXXX maximum XXXX when the majority of the borrower''''s income is from a fixed income source(s) per guidelines. |  | Exception approval received for XXXXX XXXXXXXXXXXXX XXXXXXXX - XXX months reserves - XX months min, residual income XXXXXXXXX XXXX XXXXX |  |  |  | 05/19/2026 B | 2 | XXXXXXXXXX | IL | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1694211 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | No XXXXXX XXXXXXXXX appraisal from XXX XXXXXXX XXXXXXXX |  | Client waived with compensating factor: XXXXXXXXX XXXX where a max XXXX XXXX allowed. XXXX XXXX and XXXX XXXXXXX |  |  |  | 05/18/2026 B | 2 | XXXXXXXXXX | CO | 1 | 1 C B A | A | A C B |  | Non-QM | 1 |
| 1694211 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | Credit report missing for XX | Credit XXXXXXX provided. |  |  | 05/18/2026 |  | A | 1 | XXXXXXXXXX | CO | 1 | 1 C B A | A | A C B |  | Non-QM | 1 |
| 1694215 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXXX states the borrower plans to occupy the subject as a primary residence. | Revised XXXXX provided |  |  | 05/18/2026 |  | A | 1 | XXXXXXXXXX | TN | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1694215 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | As per XXXXXXXXX guidelines, the minimum unit size is XXXX XXXXX XXXX subject is smaller than XXXX XXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX reserves is XX months. XXXXXXXXX has XXXXXXX mo reserves. XXXXXXXXX XXXXXXXXX XXXXXXX is XXXXXXXXX XXXXXXXXXX residual income is XXXXXXXXXXXXX XXXX minimum score for XXXX XXXX is XXXXXX XXXXXXXXXX score is XXXXX |  |  |  | 05/18/2026 B | 2 | XXXXXXXXXX | TN | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1694280 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | Appraisal is subject to. XXXXXX appraisal update or completetion report not provided at time of review. | XXXXD provided |  |  | 05/19/2026 |  | A | 1 | XXXXXXXXXX | AZ | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1694283 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | DSCR requires XXXXXXXX XX tradelines, at least XX active accounts. XXXXXXXXX has XX open mortgage and XX open revolving account. XXXXXXXXXX approval in file allowing minimum requirements be waived. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXX required, and XXXX fico score where the minimum required is XXX |  |  |  | 05/19/2026 B | 2 | XXXXXXXXXX | GA | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1694283 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Subject appraisal has been transferred from another lender. XXXXXXXXXX approval in file from XXXXXXX XXXXXXXXXXX allowing transferred appraisal on this transaction. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXX required, and XXXX fico score where the minimum required is XXX |  |  |  | 05/19/2026 B | 2 | XXXXXXXXXX | GA | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1694283 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Gift XXXXXXX XXXXX XXXXXXXXXXX approval required on XXXXX XXXXXXXXXX XXXXXXXXXX approval in file allowing for gift funds from spouse. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXX required, and XXXX fico score where the minimum required is XXX |  |  |  | 05/19/2026 B | 2 | XXXXXXXXXX | GA | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1694292 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Collateral not acceptable/warrantable |  | Units XX is XXXX sqft and XXXXX XX is XXXX sqft. XXXXXXXXXXX for XXXXX XXXXX XXXXXXXXX XXXXX XXXXX program requires all units be over XXXX sq ft. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXX when the minimum is XXXXX XXX months reserves when XX months is the minimum; XXXXXX XXXXX when XXXXXX is the minimum. |  |  |  | 05/20/2026 B | 2 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1694292 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR XXXXX units required all units to be occupied. XXXXXXXXX in file to allow XX unit to be vacant. XXXX unit is being remodeled. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXX when the minimum is XXXXX XXX months reserves when XX months is the minimum; XXXXXX XXXXX when XXXXXX is the minimum. |  |  |  | 05/21/2026 B | 2 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1694349 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | File is missing bridge XXX for property at XXXX XXX XXXXXXX XXXXXX | The bridge XXX for property at XXXX XXX XXXXXXX XXXXXXX provided. |  |  | 05/20/2026 |  | A | 1 | XXXXXXXXXX | OR | 1 | 1 C B A | A | A C B |  | Non-QM | 1 |
| 1694349 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Review appraisal has lower score and value than full appraisal. XXXXX difference. XXXXXXX appraised value was used, per guidelines lower value should be used to qualify. |  | Client waived with compensating factors: XXXX XXXXXXXXXXXX paid XXXXXXXXXXX borrowers/good income from pension XXX |  |  |  | 05/21/2026 B | 2 | XXXXXXXXXX | OR | 1 | 1 C B A | A | A C B |  | Non-QM | 1 |
| 1694355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | Minimum XXXXX on XXXXX XXXXXXXX is XXXXX XXXXXXXXX mid-score is XXXXXX XXXXXXXXXX approval from XXXXXXX XXXXXXXXXXX in file allowing XXXX XXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXX required, and XXXXX of XXXXXX when only XXXXXX is required. |  |  |  | 05/20/2026 B | 2 | XXXXXXXXXX | OR | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1694355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraisal provided is not in the name of XXXXXXXXXXX XXXXXXXXXX approval from XXXXXXX XXXXXXXXXXX in file allowing appraisal that is not in the name of lender. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXX reserves when only XXXXXXX required, and XXXXX of XXXXXX when only XXXXXX is required. |  |  |  | 05/20/2026 B | 2 | XXXXXXXXXX | OR | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1694362 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing asset documentation for savings account stated on final XXXXX to verify XXXXXXXXXX available balance for funds to close and reserves. XXXX asset statements documented in the loan file are missing pages XXXX of XXX for the statement dated XXXXXXXXXX and pages XXXX of XXX for the statement dated XXXXXXXXXXXX XXXXXX from the account on all of the other pages were not verified as liquidated as per underwriter note since the total balances of the accounts were > XXXXX of the required funds needed; however, the total account funds were not verified as stated previously due to missing pages and account with the balance of XXXXXXXXXX unverified. | Assets verified XXXXXXXXXXX savings XXXXXXXXXXXXXX XXXXXXXXXXXXXXXXX XXX XXXXXXXXXXXXX XXXXXXXXXXXXXXX XXXX XXXXXXXXXXX XXXX XXXXXXXXXXX XXXX XXXXXXXXXXXXX XXXXXXXXXXXXXX reserves |  |  | 05/26/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693105 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - 2yr Employment history not verified |  | Self-employed income from a business that has been opened less than XX years but more than XX year is acceptable with senior management approval. XXXXXXXXXX approval from senior management in file allowing for less than XX years self-employment history. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX of XXXXXXXX where the max allowed is XXXXX XXXXXXXXX reserves when only XXXXXXXX required, and XXXX fico score where the minimum required is XXX |  |  |  | 05/04/2026 B | 2 | XXXXXXXXXX | WI | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1693733 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Missing XXXXX XXX days prior to closing. | Re-verification dated XXXXXXXXXX provided |  |  | 05/18/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1693737 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing XXX tolerance for the increase in the XXXXXXX XXXXXXX XXXXXXX fee on the final XXXXX XXXXXXXXXX amount is XXXXXX XXXXX a XXXXX with cure, lox to borrower, and proof of refund, all within XXX days of consummation XXXXX | Information provided |  | Reviewer 05/15/2026 08:43 AM; No documentation provided<br>| 05/19/2026 |  | A | 1 | XXXXXXXXXX | MI | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1694208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Minimum tradelines of XX XXXXXXXXXXXXX XXXXXXXXXXXXXX history have not been met as required under the XXXXXXXXX XXXXXXXXX guidelines. XXXX credit report only reflects XX open mortgage XXXXXXXXXX XXXX guidelines accounts in XXXXXXXXX XXXXXXX XXXXXXXXXXX do not satisfy the minimum trade line requirement. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXXXXX and XXXXXXXX current mortgage payment history. | Client 05/19/2026 02:17 PM; The credit and XXXXX was reviewed and exception approved by XXXXXXXXXXX and this is noted in the comments and XXXXX XXXXXXXXXX XXXXXX you. <br>Reviewer 05/19/2026 02:32 PM; <br>|  |  | 05/19/2026 B | 2 | XXXXXXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693193 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | Missing final XXX from bridge loan. | final XXX for bridge loan received |  | Client 05/05/2026 10:03 AM; Hi, there is no bridge loan for this file. XXXXXXX<br>Reviewer 05/05/2026 11:20 AM; <br>| 05/05/2026 |  | A | 1 | XXXXXXXXXX | AZ | 1 | 1 C B A | A | A C B |  | Non-QM | 1 |
| 1693353 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Property address (legal description acceptable) missing |  | Please provide updated hazard policy that reflects the correct property address per legal description. XXXXXXXXXXXX XXXXXX XXXXXXXX |  |  | Reviewer 05/19/2026 09:25 AM; HOI with correct property address of XXXXXXXXXX XXXXXX street has not been provided. XXXXX this exact address on XXXX policy<br>Client 05/19/2026 11:12 AM; The legal address for the subject property is XXXXXXXXXX XXXXXX XXXXXXXXX XXXX property has XX buildings and we have three policies, XX policy for XXXXX XXXXX XX policy for XXXXX XXXXXXXXX and XX policy for XXXXX XXXXXX XXXX insurance policies and the renewals have been uploaded. XXXXXXXX<br>Reviewer 05/19/2026 12:15 PM; <br>Reviewer 05/19/2026 03:04 PM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>| 05/19/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1693848 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Sr. XXXXXXXXXXX approval bridge transaction with a XXXX up to XXXXXX |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX months reserves when only XX months required, XXXX of XXXXXXXX where the max allowed is XXXXX XXXX fico score where the minimum required is XXX | Reviewer 05/12/2026 08:13 AM; <br>|  |  | 05/12/2026 B | 2 | XXXXXXXXXX | PA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1694133 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | The XXXX of XXXXXXXXX exceeds the maximum allowable limit of XXXXXX XXXX variance is due to XXXXX self-employment income being incorrectly calculated at XXXXXXXXXXXXX as the lender did not exclude XXXXX XXXX – XXXXXX and XXXXXXXXXXXXXXXX XXXX corrected monthly income is XXXXXXXXXX XXX addition, the net rental loss for the subject property was calculated at XXXXXXXXXXXXX however, using the XXXXX tax returns results in a monthly net rental loss of XXXXXXXXXXXXX | XXXX XXXX XX income. XXXXXXXXX XXXX XXXXXXXXXXX XXXXXXXXX XXX co XXXXXXXXXXX XXXXXXXX XXXX XX rent per XXXXX XXXXX XXXXXXXX XXXXX depreciation= XXXXXXXXX XXXXXXXX net rent positive. XXXXXX income = XXXXXXXXXXXX XXXXXXX XXXXX XXXXXX XXXXX XXXXXX XXXX other consumer debt XXXXXXX XXX was paid by biz so this was ignored and not calculated in the XXXXXXX XXXXXXXXXXXX XXXXX subject not included. XXXX should be XXXXXXX XXXXXXXXXXXXXXXXXX |  | Client 05/19/2026 02:34 PM; XXXX XXXX XX income. XXXXXXXXX XXXX XXXXXXXXXXX XXXXXXXXX XXX co XXXXXXXXXXX XXXXXXXX XXXX XX rent per XXXXX XXXXX (XXXXXX XXXXX depreciation= XXXXXXXXX XXXXXXXX net rent positive. XXXXXX income = XXXXXXXXXXXX XXXXXXX XXXXX XXXXXX XXXXX XXXXXX XXXX other consumer debt XXXXXXX XXX was paid by biz so this was ignored and not calculated in the XXXXXXX XXXXXXXXXXXX XXXXX subject not included. XXXX should be XXXXXXX (XXXXXXXXXXXXXXXXX <br>Reviewer 05/19/2026 05:10 PM; <br>| 05/19/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1689887 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Sr. XXXXXXXXXXX approved use of appraisal not in XXXX name and XXXX not approved. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX months reserves when only XX months required. XXXX fico score where the minimum required is XXXXXX XXXXX of XXXXXXX where the minimum required is XXXXXXX | Reviewer 03/20/2026 09:05 AM; X.XX<br>|  |  | 03/20/2026 B | 2 | XXXXXXXXXX | NM | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1693358 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Report Incomplete |  | Need the full appraisal as pages are cutoff hence data missing. | Received a clear copy ..not cut off. |  | Reviewer 05/11/2026 05:12 PM; The appraisal provided has parts of the top and bottom pages missing.<br>Reviewer 05/12/2026 12:03 PM; Document received and file returned to XXXXXXX XXX for review.<br>| 05/12/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1693735 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Guidelines for the XXXXXXXXX XXXXXXX loan program require the most recent XXX month mortgage history for all properties listed on the loan application. XXXX XXXXXXXX and XXXXXXXX mortgage histories for XXXX XXXX XXXX XXXX and XXX were not provided. | May statement reflects payment due XXXXXXXXX no late fees |  | Reviewer 05/12/2026 11:57 AM; Documents provided did not include XXXXXX XXXXX payment for XXXXX XXXXXXX and XXXXXX and XXXXXX XXXXX payments for XXXXX XXXXXXXXX XXXXX XXXXXXX was XXXXXXXX received. XXXXX XXXXXXXX refinanced in XXXXXXXX<br>Reviewer 05/29/2026 06:55 PM; Received XXXXXXXXXXX XXXX XXXXX mortgage statement for XXXXX XXXXXXXXX XXXX not receive XXXXXX XXXXX history for mortgage on XXXXX XXXXXX<br>| 06/01/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1693246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | The XXXXX reflected the property address house number as XXXXXX however, the XXXXXXXXX XXXXXXXXXX and XXXXXXXXXX reflected the house number as XXXXXXXXXXXX XXXXXXXX corrected XXXXX with correct address. | Information provided |  | Reviewer 05/08/2026 10:08 AM; No documentation provided<br>| 05/12/2026 |  | A | 1 | XXXXXXXXXX | AR | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1693286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | UW Assets UW - Hud-1 from sale COMMENT: Only the XXXXXXXXX XXXXXXXXXX was provided in the loan file. | Exchange XXXXXXXXXX provided states the funds are being held |  | Reviewer 05/07/2026 10:57 AM; Documents provided did not include the XXX from the XXXX XXXXX showing funds of XXXXXXXXX<br>Client 05/07/2026 12:08 PM; Documentation provided sufficient proof of funds from XXXXX exchange. XXXXXX you. <br>Reviewer 05/07/2026 01:13 PM; <br>| 05/07/2026 |  | A | 1 | XXXXXXXXXX | WI | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1693368 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | File is missing XXXX for XXXXXXXXXX XXXX XXXXXXXX XXXXXX | Received XXXX for XXX |  | Reviewer 05/07/2026 07:18 PM; Documents received did not include the XXXX XXXX # for the XXX<br>| 05/08/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1693922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing XXX tolerance for the addition of an XXXXXXXXXXXX fee in XXXX XX of the XXXX XXXXX XXXX XXXX for this date does not give a valid explanation for why this fee was charged. XXXXXXXXXX amount is XXXXXXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation XXXXX | Updated XXXXX provided with cure of fees. |  | Client 05/19/2026 05:01 PM; Information from condo developer received on XXXX revealed that property would not qualify as warrantable. XXXXXXXXX status changed to non-warrantable which effected a pricing change for the loan from the application data. XXXX new loan pricing was disclosed to consumer on a revised XXX XXXXX which was within three days of the received information. XXXXXXXXX accepted the new terms. XXXXXX you. <br>Reviewer 05/19/2026 05:11 PM; <br>Reviewer 05/20/2026 09:42 AM; Hello <br> XXXXXXX upload a XXXX with the details for the change of circumstances. <br>XXXXXX<br>Client 05/27/2026 10:01 AM; Hi, per XXXXXXXXX legal team, the XXXX in file along with the explanation given in the previous explanation, which the borrower was aware of is sufficient to satisfy the requirements. XXXXXX you.<br>Reviewer 05/27/2026 10:35 AM; <br>Reviewer 05/27/2026 11:47 AM; Hello <br> XXXX XXXX that is in file stated "charging XXXXXX in points to XXXXX does not provide enough information. XXXXXXX provide an updated XXXX with details, the coc needs to be documented in file. <br>XXXXXX<br>Client 05/28/2026 10:43 AM; Understood, XXXX with XXX condo details resulting in the pricing change has been uploaded to the loan file. XXXXXX you!<br>Reviewer 05/28/2026 01:17 PM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>Reviewer 05/28/2026 01:21 PM; <br>| 05/28/2026 |  | A | 1 | XXXXXXXXXX | TX | 2 | 1 C B | C | A |  | Non-QM | 1 |
| 1694208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Current XXXXXXXXX XXXXXXX XXXXXXXXXXX XXXXXXXXX XXXXXXXXX is not permitted under the XXXXXXXXX XXXXXXXXXX XXXXX XXXXXXXXXX program guidelines. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX income of XXXXXXXXXXXXX exceeds the minimum required of XXXXXXXXXXXX and XXXXXXXX current mortgage payment history. | Client 05/19/2026 02:35 PM; The credit and XXXXX was reviewed and exception approved by XXXXXXXXXXX and this is noted in the comments and XXXXX XXXXXXXXXX XXXXXX you.<br>Reviewer 05/19/2026 03:35 PM; <br>|  |  | 05/19/2026 B | 2 | XXXXXXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1694286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Compliance |  | Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date) |  | The XXXXXXXX XXXXXXXXXXX dated XXXXXXXXXXX reflected the disbursement date as XXXXXXXXXXXX however, the XXXXX of XXXXXXXXXXXXXXX was signed on XXXXXXXXXXXXX XXXXX a XXXXX with corrected disbursement and funding dates to be on or after XXXXXXXXXXXX | Information provided |  | Reviewer 05/20/2026 11:17 AM; \*\*\*\*Correction\*\*\*\* XXXX was signed on XXXXX which is the closing date. XXXXX XX of the XXXXX XXX reflects funding date of XXXXXXX XXXXX cannot fund before it closes. XXXXXXX provide a XXXXX with correct funding date on page XX and disbursement date on page X<br>| 05/21/2026 |  | A | 1 | XXXXXXXXXX | ID | 1 | 1 B A | A | A |  | Non-QM | 1 |
| 1692934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | DTI exceeds maximum allowed of XXXXXX XXXX guidelines, loan submitted under the XXXXXX XXXXXX XXXXX XXXXXXXXXX XXXXXXXX must be qualified of the XXX year amortization. XXXXX caused the XXXX to increase to XXXXXXXXXXX XXXXXX XXXXXX XXXXXXXXXXXX XXXXXXXX XXXXXX XXXXXXX = XXXXXXXXXXXXXXX XXXXXX XXXXXXXX XXXXXXX XXXXXXXXXXXXXX | The XXXX term has been updated to calculate off a XXXXXXXXX term. XXXXXXXXXXXXXX after reviewing XXXX statements we were able to exclude some debt from XXXX as the business was verified to be making the payments. XXXXX the updates made the XXXX is XXXXXXXXX |  | Client 05/11/2026 12:16 PM; The XXXX term has been updated to calculate off a XXXX mo. term. XXXXXXXXXXXXXX after reviewing XXXX statements we were able to exclude some debt from XXXX as the business was verified to be making the payments. XXXXX the updates made the XXXX will meet guidelines being under XXXXXX XXXXXX you. <br>Reviewer 05/11/2026 12:31 PM; <br>| 05/11/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 13 D A | A | A |  | Non-QM | 1 |
| 1693737 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing XXXX statement covering the period of XXXXXXXXXXX to XXXXXXXXXXXXX XXXXX was approved under the XXXX statement program, and statements must be consecutive. | XXXX statement calculation worksheet includes XXXXXXXXXX XXXX |  | Reviewer 05/13/2026 10:12 PM; Received the XXXX statement covering the period of XXXXXXXXXXX to XXXXXXXXXXXX however, this deposit and month was not listed on the XXXX statement income calculation worksheet. XXXXXXX provide.<br>| 05/14/2026 |  | A | 1 | XXXXXXXXXX | MI | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1693839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | X% tolerance violation for increase in XXXX XXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXXX XX refund in the amount of XXXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation date of XXXXXXXXXX | Information provided |  | Reviewer 05/19/2026 12:24 PM; Settlement statement will not clear def. XXXXX XXXXXX XXXX to borrower and proof of refund and evidence of delivery<br>| 06/01/2026 |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1693245 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | The XXXXXXXXXXX XXXXXXXXX XXX XXXXX did not reflect the term or rate for the prepayment period. XXXXXXXX updated XXXXXXXXXXX XXXXXXXXX XXX XXXXX with term of prepayment period and rate. |  |  | Client 05/06/2026 10:14 AM; There is no XXXX on this loan. XXXX XXXX addendum to note was sent in error and can be discarded. XXXXXX you. <br>Reviewer 05/06/2026 10:18 AM; <br>Reviewer 05/06/2026 04:03 PM; This has been cleared. <br>XXXXXX<br>| 05/06/2026 |  | A | 1 | XXXXXXXXXX | MA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1693731 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | Missing the credit report for XXX XXXXXXXXX XXXXXXX | Credit XXXXXXX provided. |  | Reviewer 06/12/2026 12:51 PM; Credit report provided. <br>| 05/11/2026 |  | A | 1 | XXXXXXXXXX | MA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1693848 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | Missing final XXXXXXX XXXXX | document received |  | Client 05/12/2026 10:07 AM; This has already been uploaded to the file. XXXXXXX remove the finding. XXXXXXXX<br>Reviewer 05/12/2026 11:57 AM; <br>| 05/12/2026 |  | A | 1 | XXXXXXXXXX | PA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1693931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Subject property acreage exceeds XXX acres which requires XXXXX XXXXXXXXXXX approval. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX of XXXXXXXX where the max allowed is XXXXX XXXX fico score where the minimum required is XXXXX XXXXXXXXX income of XXXXXXX exceeds the minimum required of XXXXXX | Reviewer 05/13/2026 01:14 PM; <br>|  |  | 05/13/2026 B | 2 | XXXXXXXXXX | OR | 1 | 13 D B A | A | A C B |  | Non-QM | 1 |
| 1693246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The XXXXX of XXXXXXXXXXXXXXX reflected the property address house number as XXXXXX however, the XXXXXXXXX XXXXXXXXXX and XXXXXXXXXX reflected the house number as XXXXXXXXXXXX XXXXXXXX corrected XXXXX of XXXXXXXXXXXXXXX with correct address. | Information provided |  | Reviewer 05/08/2026 10:08 AM; No documentation provided<br>Reviewer 05/12/2026 09:45 AM; Page XX of XXXXXXXXX still does not reflect the correct property address. XXXXXXX provide corrected XXXXXXXXX and XXXX to re-record<br>Reviewer 05/15/2026 08:46 AM; Received corrected XXXXXX XXXXXX need XXXX to re-record<br>| 05/19/2026 |  | A | 1 | XXXXXXXXXX | AR | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1691244 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Other |  | Loan is non-trid compliant due to XXXX not received XX business days prior to closing |  |  | Reviewer 04/15/2026 09:15 AM; Disclosure tracking reflects XXXX XXX was received on XXXX (a XXXXXXX and cannot be included in the XX days). XXXXX closed on XXXXXX XXXXX is not within XX days. XXXX must be received at least XX days prior to closing<br>Reviewer 04/17/2026 09:27 AM; Blank page uploaded. XXXXXXXXXXX remains open<br>Reviewer 05/04/2026 10:04 AM; No documentation provided<br>|  |  | C | 3 | XXXXXXXXXX | NC | 1 | 1 D C B | C | C A |  | Safe Harbor QM (APOR) | 1 |
| 1693101 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | VVOE is required, no XXXXX for XXX in file. | VVOE dated XXXXXXXXXX provided |  | Reviewer 05/13/2026 03:24 PM; A XXXXX dated XXXXXXXXX was provided XXXX XXXXX dated within XXX days of the XXXXX date of XXXXXXXXXX was not received.<br>| 05/14/2026 |  | A | 1 | XXXXXXXXXX | OR | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1693291 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Income spread worksheet missing income for XXXXXXXXXX XXXX statement. XXXXXXXX income spread worksheet to include XXXXXXXXXXXX | Revised XXXXX and loan approval provided |  | Reviewer 05/12/2026 11:59 PM; The income worksheet provided reflects income of XXXXXXXXXXXXXX XXXX XXXXX and XXXXX reflect income of XXXXXXXXXXX<br>Reviewer 05/13/2026 11:08 AM; Provide the XXXXXX XXXXX and XXXXX with matching income to the income worksheet of XXXXXXXXXXX<br>| 05/14/2026 |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1693352 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Report Date |  | XXXXXXXXXXX approval to extend XXXX expiration date to XXXX days. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXX months reserves when only XX months required, XXXX fico score where the minimum required is XXXXX XXXX of XXXXXXXX where the max allowed is XXXXX and XXXXX of XXXXXXX where the minimum required is XXXXX | Reviewer 05/07/2026 02:18 PM; <br>|  |  | 05/07/2026 B | 2 | XXXXXXXXXX | CA | 3 | 3 C B | N/A | N/A C B |  | Exempt | 1 |
| 1693193 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXXXXXXXXX approval to use broker appraisal. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXX months reserves when only XX months required, XXXX of XXXXXXXX where the max allowed is XXXXX XXXX fico score where the minimum required is XXXXX and XXXXXXXXX income of XXXXXXXX exceeds the minimum required of XXXXXXXXX | Reviewer 05/05/2026 09:18 AM; <br>|  |  | 05/05/2026 B | 2 | XXXXXXXXXX | AZ | 1 | 1 C B A | A | A C B |  | Non-QM | 1 |

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## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 3**

![](evolve-logo.jpg)

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| |
|:---|
| **Valuation Report** |
| **Run Date - 06/15/2026 12:31:32 PM** |

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1693290 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692213 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688427 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1689887 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687864 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693352 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | ACCEPTABLE | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1689413 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1688481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | -1.59% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693094 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXX | 3.68% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1691244 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693364 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693353 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693358 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693293 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693016 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693091 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1690204 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693193 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692582 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693183 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 71B | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693836 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693289 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693288 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 71B | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693921 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1690970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694014 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1690867 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693090 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693100 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1691152 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694144 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693005 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694004 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693651 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | Other | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694133 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692575 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694143 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693245 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693092 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693291 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693177 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693845 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1692926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693194 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693728 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693101 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693652 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693653 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693011 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | a | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693368 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -6.32% | XXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693180 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -6.35% | XXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693198 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693735 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694140 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693284 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693108 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693285 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694148 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693848 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693294 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693740 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693736 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693187 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693727 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXX | 6.36% | XXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694012 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693105 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693932 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694145 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXXX | -1.85% | XXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694135 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693927 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694008 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693657 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694292 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | Acceptable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693371 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXX | XXXXXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694280 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693172 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694206 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693295 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694209 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693733 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694017 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694142 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693739 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693731 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693732 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693095 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694215 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694354 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694217 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693835 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX | XXXXXXX | XXXXXX | 3.16% | XXXXXXXX | 1073 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693930 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX | XXXXXXX |  | 0.00% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694016 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693195 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693363 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693737 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694138 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1693925 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694349 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -7.17% | XXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694207 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 71A | XXXX | XXXX | XXXX | XXXXXXX | XXXXXX | 8.95% | XXXXXXXX | 71A |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694211 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694018 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -6.00% | XXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694362 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694283 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1694355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 4**

![](evolve-logo.jpg)

---

| |
|:---|
| **Data Compare** |
| **Run Date - 06/15/2026 12:31:32 PM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1693290 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.453 |  | Verified |
| 1693290 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.14039 | 0.20921 | Verified |
| 1692213 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.093 |  | Verified |
| 1692935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1692935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1688427 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688427 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1689887 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1689887 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt |  |
| 1689887 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | -0.05672 |  | Verified |
| 1687851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1687851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1687851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1687864 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1687864 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693352 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693352 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.873 | 1.280 | Verified |
| 1693352 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693352 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693352 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1689413 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1689413 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1688481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1688481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt |  |
| 1688481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1692934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1692934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1692934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1692934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.49200 | 0.49414 | Verified |
| 1693094 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 1693094 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.130 | 1.190 | Verified |
| 1693094 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693094 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693094 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXXX | XXXXXXXXX | Verified |
| 1693094 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1691244 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Safe Harbor QM (APOR) |  |
| 1693364 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693364 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693364 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693364 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693353 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693353 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Attached | 5-10 Family | Verified |
| 1693358 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.668 |  | Verified |
| 1693358 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.36432 | 0.41261 | Verified |
| 1693293 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.274 | 1.260 | Verified |
| 1693293 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693293 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693293 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693016 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693016 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1693091 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.089 |  | Verified |
| 1693091 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1693091 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.43174 | 0.43239 | Verified |
| 1693091 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1690204 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1690204 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693193 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693193 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1692582 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692582 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693183 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693183 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693183 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 18.51341 |  | Verified |
| 1693836 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693836 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | HighRiseCondominium | Condo Hotel | Verified |
| 1693836 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Street Address | XXXXXXXXXX | XXXXXXXXXX |  |
| 1693246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| 1693289 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693289 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693288 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693288 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1692830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693921 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693921 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693921 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693921 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693921 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1690970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1690970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1694014 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1694014 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1694014 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1694014 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Alternative Doc |  |
| 1692819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXXX | XXXXXXXXX |  |
| 1690867 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1690867 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt |  |
| 1693090 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693090 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693090 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693090 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Attached | 5-10 Family | Verified |
| 1693100 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693100 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693100 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693100 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Attached | 5-10 Family | Verified |
| 1691152 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1691152 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1691152 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1694144 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 1694144 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1694144 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1694144 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.55490 |  | Verified |
| 1694144 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| 1693005 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693005 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1692811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1692811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 1693286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.902 |  | Verified |
| 1693286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1694004 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1694004 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1694004 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693651 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693651 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.126 | 1.210 | Verified |
| 1693651 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693651 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693651 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1694133 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1694133 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Attached | Mixed Use | Verified |
| 1694133 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.49380 | 0.43835 | Verified |
| 1692575 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1692575 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1692575 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1692575 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 1692575 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1692575 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1694143 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1694143 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.427 | 1.140 | Verified |
| 1693355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693245 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693245 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693245 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693245 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693092 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693092 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 1693092 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693092 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| 1693291 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693291 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693291 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.30846 | 0.38979 | Verified |
| 1693177 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693177 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693177 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693177 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.47977 | 0.47975 | Verified |
| 1693845 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1692926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693194 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693194 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693194 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1693728 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.027 |  | Verified |
| 1693728 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693101 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.896 |  | Verified |
| 1693101 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693652 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.820 | 1.880 | Verified |
| 1693652 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693652 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693653 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693011 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1693368 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693368 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693180 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1693180 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693180 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693180 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1693180 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693198 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693198 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693198 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.36078 | 0.49609 | Verified |
| 1693735 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.133 |  | Verified |
| 1693735 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1694140 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1694140 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693284 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.627 |  | Verified |
| 1693284 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693284 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.49761 | 0.21980 | Verified |
| 1693108 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693285 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1694148 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1694148 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693848 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM |  |
| 1693848 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693294 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.48124 | 0.45501 | Verified |
| 1693740 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.378 | 1.470 | Verified |
| 1693740 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693740 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693736 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.298 | 1.340 | Verified |
| 1693736 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693736 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693187 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693187 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693727 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693727 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1693727 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693727 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.130 |  | Verified |
| 1693838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1693838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1694012 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693105 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693105 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693932 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693932 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1694145 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1694145 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1694145 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1694145 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1694135 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1694135 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1694135 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693927 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693927 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1694008 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693657 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693657 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1694292 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| 1694292 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.332 | 1.370 | Verified |
| 1694292 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1694292 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1694292 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1694292 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1693371 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693371 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693371 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1694280 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1694359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 360 | 240 | Verified |
| 1694359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1694359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| 1694359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1693172 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693172 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693172 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM |  |
| 1693172 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.38312 | 0.32865 | Verified |
| 1694206 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693295 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1693295 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Higher Priced QM (APOR) |  |
| 1694209 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1694209 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1693837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693733 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.730 |  | Verified |
| 1694017 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM |  |
| 1694142 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1694142 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.45904 | 0.45502 | Verified |
| 1693739 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693731 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM |  |
| 1693922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1693922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693732 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1693732 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693732 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Safe Harbor QM (APOR) | Verified |
| 1693732 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693095 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693095 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693095 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| 1694215 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.951 |  | Verified |
| 1694215 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.18992 | 0.10027 | Verified |
| 1694354 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1694217 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1694217 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1694217 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693835 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Safe Harbor QM (APOR) |  |
| 1693930 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1694208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1694208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1694208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1694208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.35689 | 0.30862 | Verified |
| 1694208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1694016 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1694016 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1693195 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.927 |  | Verified |
| 1693195 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1693195 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1693195 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.25565 | 0.22444 | Verified |
| 1693839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM |  |
| 1693363 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1693363 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1693363 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | -5.91603 |  | Verified |
| 1693363 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| 1693737 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1693737 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693737 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.30161 | 0.34928 | Verified |
| 1694138 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1694138 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1694286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1694286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1693925 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1694349 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1694349 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1694207 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1694207 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Property Type | Detached | 5-10 Family | Verified |
| 1694211 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Bank Statement | Verified |
| 1694211 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Exempt | Non-QM | Verified |
| 1694211 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1694018 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1694018 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1694018 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1694018 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1694362 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1694362 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.551 |  | Verified |
| 1694283 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1694283 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1694355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 5**

![](evolve-logo.jpg)

---

| |
|:---|
| **QM ATR Data** |
| **Run Date - 06/15/2026 12:31:32 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1693290 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $9160.80 |
| 1692213 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1692935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $18055.40 |
| 1688427 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1689887 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | Permanent Resident Alien |  |  |  | No |  |
| 1687851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687864 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693352 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | No |  |
| 1689413 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1688481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1692934 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $20441.96 | 04/21/2026 | 7.59% | Employed |  | US Citizen |  |  |  | Yes | $11872.67 |
| 1693094 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1691244 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 04/08/2026 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $9168.14 |
| 1693364 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693353 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693358 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $17458.95 |
| 1693293 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Retired | Employed | US Citizen |  | US Citizen |  | No |  |
| 1693016 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $16425.81 | 04/23/2026 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $11423.12 |
| 1693091 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $5124.87 |
| 1690204 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693193 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 04/29/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $9001.90 |
| 1692582 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693183 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693836 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693289 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1693288 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1692830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693921 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1690970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1694014 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1692819 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $17325.00 | 04/13/2026 | 7.687% | Employed |  | Foreign National |  |  |  | No |  |
| 1690867 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693090 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693100 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1691152 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1694144 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693005 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1692811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Employed | US Citizen |  | US Citizen |  | Yes | $17574.78 |
| 1694004 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $22536.58 | 05/11/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $20165.36 |
| 1693651 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1694133 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Retired | US Citizen |  | US Citizen |  | Yes | $8270.84 |
| 1692575 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1694143 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $9980.53 | 05/08/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4348.95 |
| 1693355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1693245 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1693841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $16483.65 |
| 1693092 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693291 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7206.23 | 05/01/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $3369.16 |
| 1693177 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $12865.53 | 04/30/2026 | 7.408% | Self-Employed | Retired | US Citizen |  | US Citizen |  | Yes | $8742.40 |
| 1693845 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $12851.67 | 05/04/2026 | 7.715% | Self-Employed |  | US Citizen |  |  |  | Yes | $22244.57 |
| 1692926 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $18515.00 | 04/21/2026 | 7.976% | Self-Employed |  | US Citizen |  |  |  | Yes | $7760.27 |
| 1693194 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693728 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | Foreign National |  | Foreign National |  | Yes | $11057.06 |
| 1693101 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $14331.01 |
| 1693931 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $21984.58 | 05/05/2026 | 7.584% | Self-Employed |  | US Citizen |  |  |  | Yes | $9863.25 |
| 1693652 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693653 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $13955.43 | 04/30/2026 | 7.657% | Self-Employed | Retired | US Citizen |  | US Citizen |  | Yes | $28685.48 |
| 1693011 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693368 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693180 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693198 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 04/29/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $4212.17 |
| 1693735 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $3066.12 |
| 1694140 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1693284 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $10399.76 |
| 1693108 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1693285 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $9455.98 | 04/27/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $12679.41 |
| 1694148 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693848 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $5346.75 | 05/08/2026 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $1867.13 |
| 1693294 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $4956.33 | 04/29/2026 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $3921.43 |
| 1693359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $9544.97 | 05/01/2026 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $9973.83 |
| 1693740 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693736 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693187 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 04/30/2026 | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $22823.73 |
| 1693727 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $13104.18 | 05/01/2026 | 7.189% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $8702.38 |
| 1693838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $13041.33 |
| 1694012 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $5125.38 | 05/05/2026 | 7.935% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $4352.92 |
| 1693105 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 04/29/2026 | 7.127% | Self-Employed |  | US Citizen |  |  |  | Yes | $8732.66 |
| 1693932 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8869.95 | 05/08/2026 | 7.469% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $5170.90 |
| 1694145 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1694135 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1693927 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 05/04/2026 | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $2414.29 |
| 1694008 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 05/06/2026 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $5806.48 |
| 1693657 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $28437.50 | 04/30/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $11492.96 |
| 1694292 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693371 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1694280 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $7723.74 |
| 1694359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693172 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6855.32 | 04/30/2026 | 8.288% | Self-Employed |  | US Citizen |  |  |  | Yes | $12240.91 |
| 1694206 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $5141.41 | 05/14/2026 | 7.617% | Employed |  | US Citizen |  |  |  | Yes | $11685.41 |
| 1693295 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Higher Priced QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $6497.50 | 04/27/2026 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $4060.69 |
| 1694209 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6483.79 | 05/08/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $2609.21 |
| 1693837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693733 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $56619.61 |
| 1694017 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6408.59 | 05/05/2026 | 0.00% | Employed | Retired | US Citizen |  | US Citizen |  | Yes | $7491.75 |
| 1694142 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $9526.13 | 05/08/2026 | 7.238% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $8070.85 |
| 1693739 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 05/01/2026 | 8.047% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $16953.24 |
| 1693731 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 05/05/2026 | 8.632% | Employed | Retired | US Citizen |  | US Citizen |  | Yes | $5632.93 |
| 1693922 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 05/08/2026 | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $31969.99 |
| 1693732 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $0.00 | 05/06/2026 | 7.169% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $6373.43 |
| 1693095 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 04/27/2026 | 7.839% | Not Required | Self-Employed | US Citizen |  | US Citizen |  | Yes | $10127.20 |
| 1694215 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $6995.77 |
| 1694354 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1694217 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $11897.36 | 05/14/2026 | 7.235% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $11510.85 |
| 1693835 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $64987.50 | 05/06/2026 | 7.887% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $101944.82 |
| 1693930 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1694208 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $36977.40 | 05/12/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $49260.92 |
| 1694016 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1693195 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $14917.39 |
| 1693839 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $4689.12 | 05/06/2026 | 7.127% | Self-Employed |  | US Citizen |  |  |  | Yes | $3673.63 |
| 1693363 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1693737 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 05/06/2026 | 7.645% | Self-Employed |  | US Citizen |  |  |  | Yes | $3357.78 |
| 1694138 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $4848.18 | 05/13/2026 | 7.392% | Self-Employed |  | US Citizen |  |  |  | Yes | $6912.83 |
| 1694286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $19914.18 | 05/11/2026 | 7.044% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $12944.77 |
| 1693925 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $15836.31 |
| 1694349 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $10783.03 | 05/12/2026 | 7.51% | Retired | Retired | US Citizen |  | US Citizen |  | Yes | $9472.49 |
| 1694207 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1694211 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 05/14/2026 | 7.249% | Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1694018 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1694362 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $9146.28 |
| 1694283 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1694355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 6**

![](evolve-logo.jpg)

---

| |
|:---|
| **Business Purpose Data** |
| **Run Date - 06/15/2026 12:31:32 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **EIN Number** |
| 1693290 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 |  | No |  | 0 | 20.921 |  | 0 | 0 | 0 | $5082.26 | XX |  |  | Yes | $22200.00 |  | YES | $724.00 | $709.54 | $144.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 219 | 1 | US Citizen |  | 801 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No | XXXX |
| 1692213 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1600.00 | $1100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1100 | 1.33 | 1.33 | $829.40 | XXXX | 1 | Yes | Yes | $26024.00 |  | NO | $0.00 | $57.70 | $123.25 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 104 | 5 | US Citizen | US Citizen | 740 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXXXXXXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1692935 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $3600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 21.053 |  | 0 | 0 | 0 | $3293.18 |  |  |  | No |  |  | NO | $0.00 | $539.86 | $312.74 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 96 | 11 | US Citizen |  | 638 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1688427 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $6500.00 | $4150.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 6500 | 1.06 | 1.06 | $6118.19 | XXXX | 12 | No | Yes | $75000.00 |  | NO | $0.00 | $547.34 | $212.59 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 54 | 2 | US Citizen | US Citizen | 712 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 712 | 677 | 687 | XXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 712 | 735 | 704 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1689887 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1700.00 | $3650.00 |  | 1025 | No |  | 0 |  |  | 3650 | 1.54 | 1.54 | $2375.99 | XXXX | 8 |  | No |  |  | NO | $0.00 | $319.99 | $351.17 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 10 | 3 | Permanent Resident Alien |  | 744 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1687851 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1000.00 | $950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 950 | 1.05 | 1.05 | $901.92 | XXXX | 12 | No | Yes | $29500.00 |  | NO | $0.00 | $63.07 | $128.17 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 14 | 1 | US Citizen |  | 742 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 742 | 749 | 722 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1687864 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1500.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1500 | 1.38 | 1.38 | $1088.85 | XXXX | 12 | No | Yes | $34800.00 |  | NO | $0.00 | $49.14 | $146.25 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 17 | 1 | US Citizen |  | 742 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 742 | 749 | 722 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693352 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $9059.00 | Other | Other | No |  | 0 |  |  | 7701.08 | 1.28 | 1.28 | $6021.95 | XXXX |  |  | Yes | $86000.00 |  | NO | $0.00 | $1396.26 | $515.01 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 28 | 6.9 | US Citizen |  | 723 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Retired |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No | XXXX |
| 1689413 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | 1.09 | 1.09 | $2196.64 |  |  |  | Yes | $24790.00 |  | NO | $0.00 | $449.75 | $134.59 | Stated, Verified | NO | 1 | 17 |  | No | No | Experienced | 28 | 2.4 | Permanent Resident Alien |  | 727 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXX |  | Permanent Resident Alien | Stated, Verified | 743 | 727 | 711 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1688481 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $2500.00 | $2250.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2250 | 1 | 1 | $2248.64 | XXXX | 12 | No | Yes | $37400.00 |  | NO | $0.00 | $323.79 | $157.06 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 28 | 1 | US Citizen |  | 772 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693094 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $14211.00 | $16913.75 | Other | Leases | No |  | 0 |  |  | 14124 | 1.19 | 1.19 | $11913.76 | XXXX | 12 |  | Yes | $170748.00 |  | NO | $0.00 | $2834.82 | $485.19 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 38 | 35 | US Citizen | US Citizen | 811 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXX |  | US Citizen | Stated, Verified | 769 | 773 | 766 | XXX | XXXXXX |  | US Citizen | Stated, Verified | 883 | 790 | 811 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693364 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $3246.00 | $3900.00 | Other | Leases | No |  | 0 |  |  | 2872.34 | 1.52 | 1.52 | $1884.88 | XXXX | 12 | No | Yes | $38955.36 |  | NO | $0.00 | $271.32 | $128.09 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 16 | 3 | US Citizen |  | 738 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 740 | 738 | 735 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693353 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $10870.00 | $11290.00 | Other | Leases | No |  | 0 |  |  | 10570 | 3.21 | 3.21 | $3295.94 | XXXX | 12 | No | Yes | $90900.00 |  | NO | $0.00 | $626.67 | $374.21 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 64 | 58 | US Citizen |  | 729 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Trust | XXXX | No | XXXX |
| 1693358 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | Other | No |  | 0 | 41.261 |  | 0 |  |  | $3293.09 |  |  |  | Yes | $10000.00 |  | YES | $756.00 | $567.00 | $129.24 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 7 | 2 | US Citizen | US Citizen | 708 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693293 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $9550.00 | $10150.00 | Other | Leases | No |  | 0 |  |  | 9059.58 | 1.26 | 1.26 | $7171.71 | XXXX | 1 | Yes | Yes | $50000.00 |  | NO | $0.00 | $1078.08 | $269.13 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 44 | 13 | US Citizen | US Citizen | 811 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 679 | 811 | 811 | XXXXX | XXXXXX |  | US Citizen | Stated, Verified | 735 | 738 | 740 | Retired | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693091 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | Yes | $4700.00 | $4700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 43.239 |  | 0 | 0 | 0 | $4315.12 | XXXX | 12 |  | Yes | $57000.00 |  | NO | $0.00 | $560.58 | $292.06 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 17 | 4.9 | US Citizen | US Citizen | 749 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXX | XXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1690204 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1000.00 | $1100.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1000 | 1.17 | 1.17 | $857.02 | XXXX | 12 | No | Yes | $15000.00 |  | NO | $0.00 | $37.24 | $68.64 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 46 | 1 | US Citizen |  | 735 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 744 | 735 | 722 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1692582 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1500.00 | $2000.00 |  | Leases | No |  | 0 |  |  | 1500 | 1.58 | 1.58 | $948.63 | XXXX | 12 | No | Yes | $15000.00 |  | NO | $0.00 | $62.84 | $83.58 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 41 | 1.6 | US Citizen |  | 735 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 744 | 735 | 722 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693183 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $4575.00 | $4825.00 | Other | Other | No |  | 0 |  |  | 4200 | 1.7 | 1.7 | $2468.83 |  | 12 | Yes | Yes | $80000.00 |  | NO | $0.00 | $313.18 | $317.78 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 8 | 0.4 | US Citizen |  | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693836 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2850 | 1.05 | 1.05 | $2701.63 |  |  |  | No |  |  | YES | $564.00 | $608.88 | $107.14 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 8 | 8 | US Citizen |  | 722 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 745 | 718 | 722 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693246 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3850.00 | Other | Other | No | AirBNB | 850 |  |  | 3465 | 1.06 | 1.06 | $3260.25 |  |  |  | Yes | $74000.00 |  | NO | $0.00 | $362.97 | $754.86 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 114 | 2 | US Citizen |  | 739 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 739 | 738 | 757 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693289 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $5575.00 | $7400.00 | Other | Leases | No |  | 0 |  |  | 5043.33 | 1.24 | 1.24 | $4066.10 | XXXX | 12 | Yes | Yes | $10000.00 |  | NO | $0.00 | $756.92 | $387.92 | Stated, Verified | NO | 2 | 6 |  | No | No | Experienced | 35 | 11 | US Citizen | US Citizen | 789 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XX |  | US Citizen | Stated, Verified | 774 | 806 | 789 | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 786 | 764 | 804 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693288 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $6349.00 | $7200.00 | Other | Leases | No |  | 0 |  |  | 5655.83 | 1.27 | 1.27 | $4441.66 | XXXX | 12 | Yes | Yes | $10000.00 |  | NO | $0.00 | $1095.06 | $425.34 | Stated, Verified | NO | 2 | 5 |  | No | No | Experienced | 32 | 12 | US Citizen | US Citizen | 789 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XX |  | US Citizen | Stated, Verified | 774 | 806 | 789 | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 786 | 764 | 804 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1692830 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $3525.00 | $4500.00 | Other | Leases | No |  | 0 |  |  | 3831 | 1.53 | 1.53 | $2497.70 | XXXX | 12 | No | Yes | $57300.00 |  | NO | $0.00 | $547.92 | $172.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 422 | 5.6 | US Citizen |  | 772 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXXXX |  | US Citizen | Stated, Verified | 794 | 767 | 772 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693921 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $9250.00 | $0.00 | Other | Leases | No |  | 0 |  |  | 8933.33 | 1.1 | 1.1 | $8103.34 | XXXX | 12 |  | Yes | $160000.00 |  | NO | $0.00 | $2991.67 | $700.21 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 62 | 10 | US Citizen |  | 791 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 787 | 793 | 791 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1690970 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $3700.00 | $3800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3700 | 1.11 | 1.11 | $3342.56 | XXXX | 12 | No | Yes | $63360.00 |  | NO | $0.00 | $339.58 | $247.19 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 108 | 7.2 | US Citizen |  | 649 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXX | XXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694014 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $6225.00 | $4800.00 | FNMA 1007/216 | Leases | No | 1007/216 | 4800 |  |  | 6225.15 | 1.18 | 1.18 | $5262.41 | XXXX | 6 |  | Yes | $233280.00 |  | NO | $0.00 | $1077.54 | $416.70 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 30 | 8.9 | US Citizen | US Citizen | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXXXXXX | XXXXX |  | US Citizen | Stated, Verified | 714 | 705 | 716 | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 755 | 742 | 752 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1690867 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1.25 | 1.25 | $1356.75 |  |  |  | Yes | $42000.00 |  | NO | $0.00 | $245.04 | $87.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 99 | 1 | US Citizen |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 772 | 795 | 773 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693090 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $8319.00 | $0.00 | Other | Leases | No |  | 0 |  |  | 7596.92 | 1.28 | 1.28 | $5914.02 | XXXX | 12 | No | Yes | $60000.00 |  | NO | $0.00 | $815.24 | $604.09 | Stated, Verified | NO | 1 | 25 |  | No | No | Experienced | 821 | 20 | US Citizen |  | 742 | 0 | 0 |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693100 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $9313.00 | $10600.00 | Other | Leases | No |  | 0 |  |  | 8938.92 | 1.16 | 1.16 | $7732.29 | XXXX | 12 | Yes | Yes | $125000.00 |  | NO | $0.00 | $1661.85 | $1091.85 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 645 | 20 | US Citizen |  | 742 | 0 | 0 |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 742 | 730 | 744 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1691152 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1.1 | 1.1 | $1545.33 |  |  |  | Yes | $11000.00 |  | NO | $0.00 | $177.45 | $78.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 121 | 5 | US Citizen |  | 791 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694144 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 1.05 | 1.05 | $2671.65 |  |  |  | Yes | $0.00 | Yes | YES | $40.00 | $204.09 | $37.09 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 16 | 7.5 | US Citizen |  | 811 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 812 | 811 | 775 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693005 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | 1.26 | 1.26 | $1581.39 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $196.47 | $71.59 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 272 | 23 | US Citizen | US Citizen | 814 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 820 | 806 | 810 | XXXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 830 | 806 | 814 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1692811 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2850 | 1.45 | 1.45 | $1961.79 |  |  |  | Yes | $105904.00 |  | NO | $0.00 | $541.67 | $106.26 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 12 | 3.6 | US Citizen |  | 790 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693286 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 19.413 |  | 0 | 0 | 0 | $3327.19 |  |  |  | No |  |  | NO | $0.00 | $312.36 | $209.83 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 43 | 9 | US Citizen | US Citizen | 772 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 789 | 782 | 801 | XXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 778 | 772 | 766 | Not Required | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693651 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $13000.00 | $13400.00 | Other | Leases | No |  | 0 |  |  | 13000 | 1.21 | 1.21 | $10700.50 | XXXX | 12 |  | Yes | $88500.00 |  | NO | $0.00 | $1394.16 | $1070.92 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 38 | 4 | US Citizen |  | 734 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 726 | 752 | 734 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1694133 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | Yes | $1575.00 | $1800.00 | Other | Tax Returns | No |  | 0 | 43.835 |  | 0 |  |  | $3652.38 | XXXX | 1 | Yes | Yes | $0.00 | Yes | NO | $0.00 | $522.98 | $743.41 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 3 | 33 | US Citizen | US Citizen | 747 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Retired | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1692575 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1100.00 | $1350.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1100 | 1.26 | 1.26 | $874.79 | XXXX | 12 |  | Yes | $16700.00 |  | NO | $0.00 | $159.18 | $96.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 163 | 15 | US Citizen |  | 734 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 734 | 749 | 693 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 |  |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 1866 |  |  | 1866 | 1.14 | 1.14 | $1635.10 |  |  |  | Yes | $17500.00 |  | YES | $641.00 | $243.96 | $96.50 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 339 | 0.8 | US Citizen | US Citizen | 716 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693245 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 0.86 | 0.86 | $3729.07 |  |  |  | Yes | $66000.00 |  | NO | $0.00 | $562.92 | $196.91 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 39 | 6 | Permanent Resident Alien |  | 738 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693841 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $0.00 |  |  | No |  | 0 | 34.021 |  | 0 |  |  | $5996.00 |  |  |  | Yes | $40000.00 |  | YES | $1472.00 | $583.04 | $182.17 | Stated, Not Verified | NO | 1 | 2 |  | No | No | Experienced | 59 | 10 | US Citizen | US Citizen | 798 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXXXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693092 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1410.00 | $2000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1410 | 1.02 | 1.02 | $1378.85 | XXXX | 36 |  | Yes | $10000.00 |  | YES | $436.00 | $213.32 | $22.13 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 68 | 40 | US Citizen |  | 746 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693194 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $11796.00 | $10246.00 | Other | Leases | No |  | 0 |  |  | 11052.67 | 1.4 | 1.4 | $7894.63 | XXXX | 12 |  | Yes | $180000.00 |  | NO | $0.00 | $1229.17 | $628.20 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 7 | 2 | US Citizen |  | 766 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693728 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $2900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 42.374 |  | 0 |  |  | $2823.98 |  |  |  | No |  |  | YES | $247.00 | $114.60 | $136.84 | Stated, Verified | NO | 1 | 4 |  | Yes | Yes | Experienced | 36 | 18 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693101 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $2450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 41.29 |  | 0 |  |  | $2733.09 |  |  |  | Yes | $29400.00 |  | YES | $33.00 | $304.67 | $115.45 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 76 | 7.7 | US Citizen | US Citizen | 639 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 755 | 745 | 738 | XXXXXX | XXXXXXXXXXXXXXX |  | US Citizen | Stated, Verified | 667 | 639 | 637 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693652 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $4684.00 |  | Short Term Rental Documents | Yes | Other | 4684 |  |  | 3747.2 | 1.88 | 1.88 | $1989.70 |  |  |  | Yes | $15000.00 |  | YES | $820.00 | $205.23 | $54.92 | Not Stated, not Verified | NO | 1 | 3 |  | No | No | Experienced | 146 | 2 | US Citizen |  | 709 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXX |  | US Citizen | Not Stated, not Verified | 705 | 709 | 715 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693011 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $0.00 |  |  | No |  | 0 | 16.672 |  | 0 |  |  | $3928.45 |  |  |  | Yes | $45000.00 |  | YES | $589.15 | $323.90 | $137.74 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 175 | 22 | US Citizen |  | 749 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693368 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $6350.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 6350 | 1.69 | 1.69 | $3751.64 |  |  |  | Yes | $49499.00 |  | NO | $0.00 | $73.12 | $468.45 | Stated, Verified | NO | 2 | 2 |  | No | No | Experienced | 10 | 10 | US Citizen |  | 779 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 772 | 790 | 779 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693180 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $2480.00 | $3150.00 |  | Leases | No |  | 0 |  |  | 2480 | 1.26 | 1.26 | $1974.20 | XXXX | 1 | Yes | Yes | $38700.00 |  | NO | $0.00 | $211.39 | $223.20 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 109 | 4.3 | US Citizen |  | 760 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693735 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $2800.00 |  | 1025 | No |  | 0 | 47.086 |  | 0 | 0 | 0 | $2472.16 |  |  |  | Yes | $45844.00 |  | NO | $0.00 | $418.03 | $186.70 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 22 | 3 | US Citizen |  | 682 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694140 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $4995.00 | $6500.00 | Other | Leases | No |  | 0 |  |  | 5420 | 1.61 | 1.61 | $3369.33 | XXXX | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $1094.51 | $280.50 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 5 | 4.9 | US Citizen |  | 749 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXX |  | US Citizen | Stated, Verified | 763 | 749 | 747 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693284 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | Leases | No |  | 0 | 21.98 |  | 0 |  |  | $3191.50 |  |  |  | Yes | $15000.00 |  | YES | $1111.00 | $288.77 | $189.52 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 221 | 17 | US Citizen | US Citizen | 800 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXX | XXXXXXX | Co-Borrower | Co-Borrower | XXX | XXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693108 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $7100.00 |  | 1025 | No |  | 0 |  |  | 7100 | 1.14 | 1.14 | $6202.24 |  |  |  | Yes | $100000.00 |  | NO | $0.00 | $455.88 | $388.09 | Stated, Verified | NO | 2 | 6 |  | No | No | Experienced | 30 | 2 | US Citizen | US Citizen | 751 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 666 | 674 | 702 | XXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 766 | 720 | 751 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1694148 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1725.00 | $1900.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1725 | 1.07 | 1.07 | $1614.68 | XXXX | 12 | No | Yes | $20700.00 |  | NO | $0.00 | $60.61 | $111.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 59 | 6 | US Citizen |  | 723 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXX |  | US Citizen | Stated, Verified | 723 | 734 | 719 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693740 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3500.00 |  | 1025 | No |  | 0 |  |  | 3500 | 1.47 | 1.47 | $2387.90 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $456.95 | $316.50 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 778 | 2 | US Citizen |  | 732 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693736 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3200.00 |  | 1025 | No |  | 0 |  |  | 3200 | 1.34 | 1.34 | $2387.90 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $456.95 | $316.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 779 | 2 | US Citizen |  | 732 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693838 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 |  | No |  | 0 | 25.333 |  | 0 | 0 | 0 | $2123.19 |  |  |  | Yes | $17500.00 |  | YES | $820.00 | $282.31 | $73.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 18 | 5.2 | US Citizen | US Citizen | 791 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXXXX | XXXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694145 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $14000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 14000 | 0.86 | 0.86 | $16261.27 |  |  |  | Yes | $85500.00 |  | NO | $0.00 | $4245.76 | $1214.97 | Stated, Verified | NO | 1 | 7 |  | Yes | No | Inexperienced | 81 | 5 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694135 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1700.00 | $1750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 1.26 | 1.26 | $1353.58 | XXXX | 12 |  | Yes | $22100.00 |  | NO | $0.00 | $103.56 | $115.42 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 13 | 20 | US Citizen | US Citizen | 722 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 710 | 722 | 784 | XXXXXX | XXXXX |  | US Citizen | Stated, Verified | 625 | 660 | 669 | Not Required | Not Required | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1694292 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $6472.00 | $8600.00 | Other | Other | No |  | 0 |  |  | 7507.67 | 1.37 | 1.37 | $5468.13 |  |  | Yes | Yes | $0.00 | Yes | NO | $0.00 | $1271.32 | $521.60 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 27 | 2 | US Citizen |  | 780 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 757 | 780 | 796 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693371 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | FNMA 1007/216 | No | 1007/216 | 2400 |  |  | 2400 | 1.12 | 1.12 | $2150.98 |  |  |  | Yes | $15000.00 |  | YES | $494.00 | $133.07 | $119.27 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 8 | 3 | US Citizen |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694280 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 42.623 |  | 0 |  |  | $3095.61 |  |  |  | Yes | $33900.00 |  | NO | $0.00 | $147.39 | $151.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 79 | 4 | US Citizen |  | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694359 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 1.01 | 1.01 | $2766.12 |  |  |  | Yes | $20000.00 |  | YES | $179.67 | $601.76 | $65.75 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 351 | 6 | US Citizen |  | 812 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 837 | 809 | 812 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C1 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693837 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3700.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirDNA | 5119 |  |  | 5119.46 | 1.2 | 1.2 | $4269.37 |  |  |  | Yes | $35900.00 |  | NO | $0.00 | $455.63 | $447.98 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 150 | 1 | US Citizen |  | 798 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 797 | 798 | 803 |  |  |  |  |  |  |  |  | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693733 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $3100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 16.028 |  | 0 |  |  | $4241.41 |  |  |  | Yes | $52000.00 |  | YES | $107.00 | $739.97 | $329.65 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 16 | 2.8 | US Citizen |  | 766 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694215 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 10.027 |  | 0 | 0 | 0 | $1557.11 |  |  |  | Yes | $10000.00 |  | YES | $83.00 | $99.17 | $61.75 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 92 | 1.9 | US Citizen |  | 785 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694354 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1625.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1625 | 1.29 | 1.29 | $1258.44 |  |  |  | Yes | $22000.00 |  | NO | $0.00 | $195.33 | $130.74 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 154 | 4 | US Citizen |  | 685 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXX |  | US Citizen | Stated, Verified | 686 | 667 | 685 |  |  |  |  |  |  |  |  | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No | XXXX |
| 1693930 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $3100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2700 | 1.56 | 1.56 | $1729.72 |  |  |  | Yes | $37200.00 |  | YES | $295.00 | $125.86 | $51.86 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 89 | 15 | US Citizen |  | 809 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694016 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $4700.00 | $4975.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4700 | 2.53 | 2.53 | $1854.37 | XXXX | 12 | No | Yes | $65402.00 |  | NO | $0.00 | $547.57 | $67.95 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 20 | 5 | US Citizen |  | 808 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693195 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Bank Statement | Yes | No | $0.00 | $1775.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 22.444 |  | 0 |  |  | $1913.94 |  |  |  | Yes | $0.00 | Yes | YES | $51.00 | $203.49 | $50.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 6 | 1.1 | US Citizen | US Citizen | 788 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XX | Co-Borrower | Co-Borrower | XXXXXX | XXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693363 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $15000.00 | $6000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 15000 | 1.59 | 1.59 | $9411.48 | XXXX | 12 |  | Yes | $180000.00 |  | NO | $0.00 | $1269.73 | $804.80 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 103 | 1.8 | US Citizen |  | 725 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1693925 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $1420.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 37.986 |  | 0 | 0 | 0 | $1508.24 |  |  |  | Yes | $10000.00 |  | YES | $200.00 | $93.99 | $47.70 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 100 | 4.9 | US Citizen |  | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694207 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $0.00 | Other | Short Term Rental Documents | Yes | Appraiser STR Analysis | 56193 |  |  | 56192.91 | 2.33 | 2.33 | $24124.03 |  |  |  | Yes | $150000.00 |  | NO | $0.00 | $3634.61 | $3121.21 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 95 | 1.6 | US Citizen |  | 817 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694018 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | Yes | $1700.00 | $1800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1700 | 1.26 | 1.26 | $1350.90 | XXXX | 12 | Yes | Yes | $25000.00 |  | NO | $0.00 | $265.00 | $194.08 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 68 | 5 | US Citizen |  | 701 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694362 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full | Yes | No | $0.00 | $1400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 15.717 |  | 0 | 0 | 0 | $2539.62 |  |  |  | Yes | $24000.00 |  | YES | $883.75 | $269.95 | $71.25 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 8 | 1 | US Citizen |  | 733 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694283 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2100 | 1.01 | 1.01 | $2086.70 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $308.76 | $199.54 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 17 | 2 | US Citizen |  | 796 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |
| 1694355 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage | Yes | No | $0.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.21 | 1.21 | $1565.52 |  |  |  | Yes | $49500.00 |  | NO | $0.00 | $314.23 | $186.30 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 12 | 20 | US Citizen |  | 657 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No | XXXX |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 7**

![](evolve-logo.jpg)

---

| |
|:---|
| **Sample Grading Summary** |
| **Run Date - 06/15/2026 12:31:33 PM** |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary | Compliance Results Summary |
| **NRSRO Grade** | **DBRS** | **DBRS** | **Fitch** | **Fitch** | **KBRA** | **KBRA** | **Moody's** | **Moody's** | **S&P** | **S&P** |
| **NRSRO Grade** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** |
| A | 45 | 36.59% | 45 | 36.59% | 45 | 36.59% | 45 | 36.59% | 45 | 36.59% |
| B |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| C | 1 | 0.81% | 1 | 0.81% | 1 | 0.81% | 1 | 0.81% | 1 | 0.81% |
| D |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| N/A | 77 | 62.60% | 77 | 62.60% | 77 | 62.60% | 77 | 62.60% | 77 | 62.60% |
| **Total** | **123** | **100.00%** | **123** | **100.00%** | **123** | **100.00%** | **123** | **100.00%** | **123** | **100.00%** |
| Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary | Credit Results Summary |
| **NRSRO Grade** | **DBRS** | **DBRS** | **Fitch** | **Fitch** | **KBRA** | **KBRA** | **Moody's** | **Moody's** | **S&P** | **S&P** |
| **NRSRO Grade** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** |
| A | 80 | 65.04% | 80 | 65.04% | 80 | 65.04% | 80 | 65.04% | 80 | 65.04% |
| B | 43 | 34.96% | 43 | 34.96% | 43 | 34.96% | 43 | 34.96% | 43 | 34.96% |
| C |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| D |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| N/A |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| **Total** | **123** | **100.00%** | **123** | **100.00%** | **123** | **100.00%** | **123** | **100.00%** | **123** | **100.00%** |
| Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary | Property/Valuation Results Summary |
| **NRSRO Grade** | **DBRS** | **DBRS** | **Fitch** | **Fitch** | **KBRA** | **KBRA** | **Moody's** | **Moody's** | **S&P** | **S&P** |
| **NRSRO Grade** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** |
| A | 106 | 86.18% | 106 | 86.18% | 106 | 86.18% | 106 | 86.18% | 106 | 86.18% |
| B | 17 | 13.82% | 17 | 13.82% | 17 | 13.82% | 17 | 13.82% | 17 | 13.82% |
| C |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| D |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| N/A |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| **Total** | **123** | **100.00%** | **123** | **100.00%** | **123** | **100.00%** | **123** | **100.00%** | **123** | **100.00%** |
| Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary | Overall Results Summary |
| **NRSRO Grade** | **DBRS** | **DBRS** | **Fitch** | **Fitch** | **KBRA** | **KBRA** | **Moody's** | **Moody's** | **S&P** | **S&P** |
| **NRSRO Grade** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** | **# Loans** | **% of Loans** |
| A | 69 | 56.10% | 69 | 56.10% | 69 | 56.10% | 69 | 56.10% | 69 | 56.10% |
| B | 53 | 43.09% | 53 | 43.09% | 53 | 43.09% | 53 | 43.09% | 53 | 43.09% |
| C | 1 | 0.81% | 1 | 0.81% | 1 | 0.81% | 1 | 0.81% | 1 | 0.81% |
| D |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| N/A |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |  | 0.00% |
| **Total** | **123** | **100.00%** | **123** | **100.00%** | **123** | **100.00%** | **123** | **100.00%** | **123** | **100.00%** |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 8**

![](evolve-logo.jpg)

---

| |
|:---|
| **Additional Detail Summary** |
| **Run Date - 06/15/2026 12:31:33 PM** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Fixed | 123 | 100.00% | $57682833.00 | 100.00% |
| Adjustable |  | 0.00% |  | 0.00% |
| **Total** | **123** | **100.00%** | **$57682833.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| First | 123 | 100.00% | $57682833.00 | 100.00% |
| Other |  | 0.00% |  | 0.00% |
| **Total** | **123** | **100.00%** | **$57682833.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Debt Consolidation | 7 | 5.69% | $5128844.00 | 8.89% |
| Cash Out: Home Improvement/Renovation | 2 | 1.63% | $1589910.00 | 2.76% |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 35 | 28.46% | $13641592.00 | 23.65% |
| Limited Cash-Out |  | 0.00% |  | 0.00% |
| First Time Home Purchase |  | 0.00% |  | 0.00% |
| Other-than-first-time Home Purchase | 72 | 58.54% | $32471651.00 | 56.29% |
| Rate/Term Refinance - Borrower Initiated | 7 | 5.69% | $4850836.00 | 8.41% |
| **Total** | **123** | **100.00%** | **$57682833.00** | **100.00%** |
| **Original Term to Maturity** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 12 |  | 0.00% |  | 0.00% |
| 120 - 360 | 112 | 91.06% | $50290250.00 | 87.18% |
| 361+ | 11 | 8.94% | $7392583.00 | 12.82% |
| **Total** | **123** | **100.00%** | **$57682833.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 55 | 44.72% | $21023025.00 | 36.45% |
| Condo, Low Rise | 8 | 6.50% | $2476602.00 | 4.29% |
| Condo, High Rise | 7 | 5.69% | $4867429.00 | 8.44% |
| Condotel | 2 | 1.63% | $367264.00 | 0.64% |
| PUD | 18 | 14.63% | $11176628.00 | 19.38% |
| Townhouse | 5 | 4.07% | $1497715.00 | 2.60% |
| Multi-wide Manufactured Housing |  | 0.00% |  | 0.00% |
| 1 Family Attached | 2 | 1.63% | $304343.00 | 0.53% |
| 2 Family | 3 | 2.44% | $1115420.00 | 1.93% |
| 3 Family | 1 | 0.81% | $250512.00 | 0.43% |
| 4 Family | 3 | 2.44% | $735288.00 | 1.27% |
| 5-10 Unit Multi-Family | 18 | 14.63% | $13518846.00 | 23.44% |
| Other | 1 | 0.81% | $349761.00 | 0.61% |
| **Total** | **123** | **100.00%** | **$57682833.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 41 | 33.33% | $19645341.00 | 34.06% |
| Second Home | 5 | 4.07% | $5858575.00 | 10.16% |
| Investment | 77 | 62.60% | $32178917.00 | 55.79% |
| **Total** | **123** | **100.00%** | **$57682833.00** | **100.00%** |
| **Profile** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Full Credit/Compliance | 46 | 37.40% | $25503916.00 | 44.21% |
| Business Purpose | 77 | 62.60% | $32178917.00 | 55.79% |
| **Total** | **123** | **100.00%** | **$57682833.00** | **100.00%** |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.07 - Schedule 9**

![](evolve-logo.jpg)

---

| |
|:---|
| **Data Integrity Summary** |
| **Run Date - 06/15/2026 12:31:33 PM** |

---

---

| | | | |
|:---|:---|:---|:---|
| **Field Label** | **# Loans with Discrepancy** | **Total Time Compared** | **% Variance** |
| Appraised Value | 8 | 123 | 6.50% |
| DSCR | 23 | 123 | 18.70% |
| Doc Type | 98 | 123 | 79.67% |
| Interest Only | 15 | 123 | 12.20% |
| Original Amortization Term | 15 | 123 | 12.20% |
| PITI | 11 | 123 | 8.94% |
| Property Street Address | 1 | 123 | 0.81% |
| Property Type | 21 | 123 | 17.07% |
| Property Zip | 29 | 123 | 23.58% |
| QM Status | 37 | 123 | 30.08% |
| Qualifying DTI | 20 | 123 | 16.26% |
| Self-Employment Flag | 42 | 123 | 34.15% |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08**

![](ex9908001.jpg)

EFMT 2026-NQM 7

Ellington Management Group, LLC

Opus Capital Markets Consultants, LLC

5718 Westheimer Road, Suite 1000 \| Houston, TX 77057 \| <u>www.opuscmc.com</u> \| 224.632.1300

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| Narrative – EFMT 2026-NQM7<br>| Page **1** of **19** |

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**Executive Narrative**

**June 12, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**Ellington Management Group, LLC**

The report summarizes the results of a due diligence review performed on a pool of thirty-two (32) loans, of which were purchased by Ellington Management Group, LLC ("Customer") from an originator (the "Originator") who is a clients of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit review of all loans.

As detailed herein, the pool contains fifteen (15) ATR/QM Exempt loans, of which thirteen (13) are DSCR loans and two (2) are Business Purpose loans, and seventeen (17) Non-QM loans that 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.

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&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**

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:<br>

**a) Collateral Docs**

● Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

● Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

● Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs**

● Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

● Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

● Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Income Documentation: Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as 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.

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**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, 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;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;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;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)

&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;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;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;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;

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;

<sup>1</sup> These "material" disclosures include, but are not limited to, 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).

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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).

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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.

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&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.<br>

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.

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

○ Confirm the presence of the Servicing Transfer Disclosure form in file

○ Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)**

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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.

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**Fair Credit Report Act (Regulation V)**

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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**<br>

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.<br>

● Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

● Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101 et seq.

● Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

● Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

● District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

● Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

● Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

● City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

● Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

● Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

● Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

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● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

● Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

● Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

● Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

● Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

● New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

● North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● 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), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

● 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.

● 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).

● City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

● South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

● Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

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● Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

● Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

● Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)** 

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided
 by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The
 premium for which is paid by the condominium associate, cooperative, homeowners association,
 or other group as a common expense.

**Misrepresentation and Third-Party Review**<br>

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:<br>

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:<br>

&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;• Alerts:
Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Social
Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;• Data
Consistency: Review the documents contained in the loan file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Third
Party Fraud Tools:<br>

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**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;&nbsp;&nbsp;&nbsp;&nbsp;• Property
is complete

&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;• Property
is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No
apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal
addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal
is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal
contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraiser
was appropriately licensed at the time the appraisal was signed

If the valuation vendor does 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. We did not receive an attestation.

**Value Review Disclaimer**

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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 in a property located in an area that is designated as IA (Individual Assistance) or IH (Individual and Household Assistance), Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No
apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;&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<br>

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Address

● Property City

● Property State

● Property Type

● Sales Price

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● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**<br>

**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.<br>

**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.<br>

**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.<br>

**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.<br>

**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**<br>

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 15-E 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**<br>

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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**<br>

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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.

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**Opus Compliance Grades**<br>

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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**<br>

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:** 

● **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

● **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

● **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

● **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

● **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

● **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

● **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

● **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

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| Narrative – EFMT 2026-NQM7<br>| Page **13** of **19** |

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**Title Insurance Requirements are met per Guidelines only as follows:**

● Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

● **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

● **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

● **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

● No compliance testing for the DSCR review.

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|:---|:---|
| Narrative – EFMT 2026-NQM7<br>| Page **14** of **19** |

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**<u>Pool Details</u>**

![](ex9908002.jpg)

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|:---|:---|
| Narrative – EFMT 2026-NQM7<br>| Page **15** of **19** |

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**<u>Tape Discrepancies</u>**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;81.25% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;5 | &nbsp;&nbsp;84.38% |
| &nbsp;&nbsp;**Total Number of Loans** | &nbsp;&nbsp;**32** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there was zero (0) 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 |

---

---

| | |
|:---|:---|
| Narrative – EFMT 2026-NQM7<br>| Page **16** of **19** |

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---

| | |
|:---|:---|
| &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 |

---

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| | |
|:---|:---|
| Narrative – EFMT 2026-NQM7<br>| Page **17** of **19** |

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**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated June 12, 2026.

![](ex9908003.jpg)

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| | |
|:---|:---|
| Narrative – EFMT 2026-NQM7<br>| Page **18** of **19** |

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**<u>Loans Reviewed (32 lns)</u>**

---

| |
|:---|
| &nbsp;&nbsp;**Redacted ID** |
| &nbsp;&nbsp;2158796 |
| &nbsp;&nbsp;2128046 |
| &nbsp;&nbsp;2153551 |
| &nbsp;&nbsp;2158797 |
| &nbsp;&nbsp;2153541 |
| &nbsp;&nbsp;2153546 |
| &nbsp;&nbsp;2155680 |
| &nbsp;&nbsp;2158798 |
| &nbsp;&nbsp;2153538 |
| &nbsp;&nbsp;2158793 |
| &nbsp;&nbsp;2158799 |
| &nbsp;&nbsp;2158794 |
| &nbsp;&nbsp;2158792 |
| &nbsp;&nbsp;2155677 |
| &nbsp;&nbsp;2153552 |
| &nbsp;&nbsp;2158800 |
| &nbsp;&nbsp;2158795 |
| &nbsp;&nbsp;2158801 |
| &nbsp;&nbsp;2161577 |
| &nbsp;&nbsp;2161589 |
| &nbsp;&nbsp;2161581 |
| &nbsp;&nbsp;2161590 |
| &nbsp;&nbsp;2161582 |
| &nbsp;&nbsp;2161588 |
| &nbsp;&nbsp;2161579 |
| &nbsp;&nbsp;2161580 |
| &nbsp;&nbsp;2163718 |
| &nbsp;&nbsp;2163715 |
| &nbsp;&nbsp;2163722 |
| &nbsp;&nbsp;2163716 |
| &nbsp;&nbsp;2163723 |
| &nbsp;&nbsp;2163721 |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

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|:---|:---|
| Narrative – EFMT 2026-NQM7<br>| Page **19** of **19** |

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## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ALT 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?** |
| 2128046 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-02-02 07:43 | 2026-02-04 09:19 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Upon review, Audit determined the XX/XXXX payment documentation was insufficient per lender guides. However, because the guidelines permit a 1 x 30 delinquency, the file has been adjusted to meet requirements. No additional documentation required, condition resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-No evidence of payment provided. Finding Resolved as 1x30x12 is allowed per guidelines. - Due Diligence Vendor-02/04/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-escalated - Buyer-02/04/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Mortgage (VOM) Document is incomplete, as per guideline recent 12-month history required. Document Missing History for primary property (XX/XXXX). - Due Diligence Vendor-02/02/2026 |  | Resolved-Upon review, Audit determined the XX/XXXX payment documentation was insufficient per lender guides. However, because the guidelines permit a 1 x 30 delinquency, the file has been adjusted to meet requirements. No additional documentation required, condition resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-No evidence of payment provided. Finding Resolved as 1x30x12 is allowed per guidelines. - Due Diligence Vendor-02/04/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/04/2026 |  |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| 2153541 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-08 08:16 | 2026-04-09 08:12 | Resolved | 1 - Information | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/09/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/09/2026 <br>Open-Final HUD-1 Document is Missing (file copy is estimated) - Due Diligence Vendor-04/08/2026 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/09/2026<br>| Final HUD.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| 2153538 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-14 12:32 | 2026-06-02 08:09 | 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-06/02/2026 <br>Acknowledged- - Due Diligence Vendor-04/14/2026 <br>Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/14/2026 |  | 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-06/02/2026<br>|  |  |  | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| 2158798 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-21 10:04 | 2026-04-22 10:15 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/21/2026 <br> Open-Property type is ineligible due to Per lender guidelines section 6.10, a condo unit minimum size is 500 square feet, subject is XXX square feet. . - Due Diligence Vendor-04/21/2026 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/22/2026<br>| Exception.pdf |  | FICO 785, 85 points>700 min<br> LTV 60%, 15%<75% max<br> Primary Housing Payment History 0x30x99<br> Experienced Investor | XX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| 2158793 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-21 05:35 | 2026-04-23 09:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing Guaranty Agreement - Borrower 1 | Resolved-Guaranty Agreement for Borrower 1 provided, condition resolved. - Due Diligence Vendor-04/23/2026 <br>Resolved-Guaranty Agreement for Borrower 1 provided. - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/22/2026 <br>Open-Missing Guaranty Agreement for Borrower 1. - Due Diligence Vendor-04/21/2026 |  | Resolved-Guaranty Agreement for Borrower 1 provided, condition resolved. - Due Diligence Vendor-04/23/2026 <br>Resolved-Guaranty Agreement for Borrower 1 provided. - Due Diligence Vendor-04/23/2026<br>| PG.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2158793 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-21 05:35 | 2026-04-23 09:10 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided, condition resolved. - Due Diligence Vendor-04/23/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. - Seller-04/22/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. - Seller-04/22/2026<br>| Resolved-Business Purpose Affidavit provided, condition resolved. - Due Diligence Vendor-04/23/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/23/2026<br>| Business Purpose.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2158793 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-21 05:55 | 2026-04-23 09:09 | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Final settlement statement provided, condition resolved. - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. - Seller-04/22/2026 <br>Open-The final HUD/Settlement Statement is missing. Additional conditions may apply - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. - Seller-04/22/2026<br>| Resolved-Final settlement statement provided, condition resolved. - Due Diligence Vendor-04/23/2026<br>| HUD.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2158799 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-23 13:58 | 2026-04-27 10:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing ACH Form | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/27/2026 <br>Ready for Review-Document Uploaded. - Seller-04/27/2026 <br>Open-Missing ACH Form. Required on cash out refinances with an LTV greater than 70% per the FMC 18 Matrix. - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. - Seller-04/27/2026<br>| Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/27/2026<br>| XXXXXX ACH.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2158799 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-23 14:04 | 2026-04-27 08:03 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-04/27/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/24/2026 <br>Open-Housing History Does Not Meet Guideline Requirements In accordance with lender guidelines (Section 3.4.2), DSCR loans for borrowers residing rent-free require management review and exception. Currently, the audit team is unable to locate the documented approval for this exception in the loan file.<br> - Due Diligence Vendor-04/23/2026 | Approved - NO FMC 15 or 16, Max 75% LTV - 04/27/2026 <br>| Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-04/27/2026<br>| Exception.pdf |  | Res 10, 4>6mo min<br> DSCR 1.50, .50x > 1.0 x min | XX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| 2158799 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-23 06:05 | 2026-04-27 07:57 | Resolved | 1 - Information | Credit | Missing Doc | Missing Guaranty Agreement - Borrower 1 | Resolved-Guaranty Agreement for Borrower 1 provided, condition resolved. - Due Diligence Vendor-04/27/2026 <br>Resolved-Guaranty Agreement for Borrower 1 provided. - Due Diligence Vendor-04/27/2026 <br>Ready for Review-Document Uploaded. - Seller-04/24/2026 <br>Open-Missing Guaranty Agreement for Borrower 1. - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. - Seller-04/24/2026<br>| Resolved-Guaranty Agreement for Borrower 1 provided, condition resolved. - Due Diligence Vendor-04/27/2026 <br>Resolved-Guaranty Agreement for Borrower 1 provided. - Due Diligence Vendor-04/27/2026<br>| XXXXXX PG.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| 2158794 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-27 13:57 | 2026-04-28 07:55 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/27/2026 <br>Open-Audited HLTV of 70% exceeds Guideline HCLTV of 65% According to the FMC 18 Matrix, maximum HLTV permitted for cash out refinance with a Fico between 660-679 is 65%. - Due Diligence Vendor-04/27/2026 |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/28/2026<br>| Exception.pdf |  | DSCR 1.21x, .21x>1.0x<br> Res 25 mo, 19 mo>6 mo min | XX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| 2158794 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-27 13:57 | 2026-04-28 07:54 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/27/2026 <br>Open-Audited CLTV of 70% exceeds Guideline CLTV of 65% According to the FMC 18 Matrix, maximum CLTV permitted for cash out refinance with a Fico between 660-679 is 65%. - Due Diligence Vendor-04/27/2026 |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/28/2026<br>| Exception.pdf |  | DSCR 1.21x, .21x>1.0x<br> Res 25 mo, 19 mo>6 mo min | XX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| 2158794 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-27 13:57 | 2026-04-28 07:53 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/27/2026 <br>Open-Audited LTV of 70% exceeds Guideline LTV of 65% According to the FMC 18 Matrix, maximum LTV permitted for cash out refinance with a Fico between 660-679 is 65%. - Due Diligence Vendor-04/27/2026 |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/28/2026<br>| Exception.pdf |  | DSCR 1.21x, .21x>1.0x<br> Res 25 mo, 19 mo>6 mo min | XX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| 2158794 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-27 14:05 | 2026-04-28 07:51 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing ACH Form | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. - Seller-04/28/2026 <br>Open-Missing ACH Form. The loan file contains a signed ACH form; however, the top section is missing required information. - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. - Seller-04/28/2026<br>| Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/28/2026<br>| Exception.pdf |  | DSCR 1.21x, .21x>1.0x<br> Res 25 mo, 19 mo>6 mo min | XX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| 2161580 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-30 10:39 | 2026-05-01 08:41 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Lender provided the E-Consent documentation - Due Diligence Vendor-05/01/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-05/01/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/30/2026 <br>Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower - Due Diligence Vendor-04/30/2026 |  | Resolved-Lender provided the E-Consent documentation - Due Diligence Vendor-05/01/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-05/01/2026<br>| Econsent XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2161580 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-04-30 10:30 | 2026-05-01 08:41 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Lender provided the E-Consent documentation - Due Diligence Vendor-05/01/2026 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-05/01/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/30/2026 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-04/30/2026 |  | Resolved-Lender provided the E-Consent documentation - Due Diligence Vendor-05/01/2026 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-05/01/2026<br>| Econsent XXXXXXX.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2163716 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-05-04 09:40 | 2026-05-05 10:16 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided the initial CD and proof of receipt. - Due Diligence Vendor-05/05/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-05/05/2026 <br> Counter-The Initial CD was not provided in the original loan package. Please provide the initial CD dated XX/XX/XXXX - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-05/05/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-05/04/2026 |  | Resolved-Lender provided the initial CD and proof of receipt. - Due Diligence Vendor-05/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-05/05/2026<br>| XXXXXXX CD delivery.pdf<br> XXXXXXX CD.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2163716 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-05-04 10:12 | 2026-05-05 08:09 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-05/05/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. - Buyer-05/05/2026 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. Missing appraisal invoice for the appraisal transfer. - Due Diligence Vendor-05/04/2026 |  | Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-05/05/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-05/05/2026<br>| invoice.pdf<br>Invoice 2.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| 2163723 | XXXXXX | XXXXXX |  | XXXXXX | Closed | 2026-05-05 11:54 | 2026-05-06 08:56 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-05/06/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-05/06/2026 <br>Ready for Review-Document Uploaded. - Buyer-05/05/2026 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. Missing the appraisal invoice required for the appraisal transfer documentation. - Due Diligence Vendor-05/05/2026 |  | Resolved-Lender provided the appraisal invoice. - Due Diligence Vendor-05/06/2026 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-05/06/2026<br>| invoice.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **ALT ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2128046 | XXXXXXX |  | XXXXXXX | $XXXXXX C A |
| 2153546 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2153551 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2153541 | XXXXXXX |  | XXXXXXX | $XXXXXX A D |
| 2153552 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2153538 | XXXXXXX |  | XXXXXXX | $XXXXXX A B |
| 2155677 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2158798 | XXXXXXX |  | XXXXXXX | $XXXXXX C A B |
| 2155680 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2158793 | XXXXXXX |  | XXXXXXX | $XXXXXX D A |
| 2158795 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2158792 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2158799 | XXXXXXX |  | XXXXXXX | $XXXXXX D A B |
| 2158797 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2158800 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2158801 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2158794 | XXXXXXX |  | XXXXXXX | $XXXXXX D A B |
| 2158796 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2161579 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2161590 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2161580 | XXXXXXX |  | XXXXXXX | $XXXXXX A C |
| 2161582 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2161588 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2161577 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2161581 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2161589 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2163716 | XXXXXXX |  | XXXXXXX | $XXXXXX C A |
| 2163722 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2163715 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2163723 | XXXXXXX |  | XXXXXXX | $XXXXXX C A |
| 2163718 | XXXXXXX |  | XXXXXXX | $XXXXXX A |
| 2163721 | XXXXXXX |  | XXXXXXX | $XXXXXX A |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ALT 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?** |
| 2128046 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 2153546 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 7.764 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed | Employed | No | No | Yes | Present |
| 2153551 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 2153541 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2153552 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 2153538 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | Yes | No | No | No | Not Tested | 0 | 6.634 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed |  | No |  | Yes | Present |
| 2155677 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 2158798 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2155680 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 2158793 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2158795 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.832 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 2158792 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2158799 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2158797 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2158800 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.256 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 2158801 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.733 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 2158794 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2158796 | XXXXXX |  | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 2161579 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.97 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 2161590 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.486 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | Yes |  | No |  |
| 2161580 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.861 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 2161582 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.26 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 2161588 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.713 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 2161577 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.986 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 2161581 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.11 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 2161589 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| 2163716 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.328 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 2163722 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.184 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 2163715 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.774 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed |  | No |  | No |  |
| 2163723 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.611 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed |  | No |  | No |  |
| 2163718 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.126 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| 2163721 | XXXXXX |  | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.848 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **ALT ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **ITIN Flag** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Maturity Date** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** | **Delayed Financing Flag** | **Title Company Name** | **Settlement Agent Company** | **Neighborhood Location** | **Gift Funds** | **Gift Funds Percentage of Total Funds Required** |
| 2128046 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.354 | 1.354 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 44451.98 | 9.4 | 44534.34 | 9.4 | No | 78.64 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2153546 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | 0 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.764% |  | 7.375% | 7.375% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $XXXXXX | $XXXXXX | Yes | XXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 14.05% | 12.64% | 12.64% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified \|\| Co Borrower - SEPartnership - Business Bank Statements Verified | Borrower \|\| Co Borrower | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15587.33 | 4.3 | 15587.33 | 4.3 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Urban | No |  |
| 2153551 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $XXXXXX |  | Yes | XXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.051 | 1.051 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 256814.15 | 55.5 | 256814.15 | 55.5 | No | 75 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2153541 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $XXXXXX |  | Yes | XXXXXX | XX | $XXXXXX | XX/XX/XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.056 | 1.05 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27279.44 | 11.6 | 27279.44 | 11.6 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2153552 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.7 | 1.7 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XX/XX/XXXX | XX/XX/XXXX | 0 | 88 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27150.49 | 27.2 | 27150.49 | 27.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Urban | No |  |
| 2153538 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | 0 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 6.634% |  | 6.250% | 6.250% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX | $XXXXXX | N/A |  |  | $0.00 |  |  | 42.36% | 42.37% | 42.37% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34128.65 | 17.2 | 34128.65 | 17.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Rural | No |  |
| 2155677 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.954 | 1.954 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 11268.80 | 15.2 | 11268.80 | 15.2 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Urban | No |  |
| 2158798 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $XXXXXX |  | Yes | XXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 2.969 | 2.969 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 416298.56 | 128.8 | 416298.56 | 128.8 | No | 60 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Urban | No |  |
| 2155680 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $XXXXXX |  | N/A | XXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.077 | 1.077 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 311662.06 | 124.3 | 311662.06 | 124.3 | No | 60 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2158793 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.44 | 1.44 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 823 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 187244.60 | 89.9 | No | 28.59 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2158795 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.832% |  | 7.625% | 7.625% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $XXXXXX | $XXXXXX | Yes | XXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 26.31% | 26.31% | 26.31% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 475613.49 | 45.2 | 475613.49 | 45.2 | No | 90 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | Yes | 70.83 |
| 2158792 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.379 | 1.379 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | I-551 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 45812.17 | 45.1 | 45812.17 | 45.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Urban | No |  |
| 2158799 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.503 | 1.503 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 13014.36 | 9.3 | 19265.76 | 13.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Urban | No |  |
| 2158797 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.005 | 1.005 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 64645.33 | 16.7 | 64645.33 | 16.7 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2158800 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.370% | Manual Underwriting | Manual Underwriting | No | 7.256% |  | 6.875% | 6.875% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX | $XXXXXX | N/A |  |  | $0.00 |  |  | 20.49% | 20.49% | 20.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 98380.90 | 25.3 | 98380.90 | 25.3 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Urban | No |  |
| 2158801 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.430% | Manual Underwriting | Manual Underwriting | No | 7.733% |  | 7.375% | 7.375% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $XXXXXX | $XXXXXX | Yes | XXXXXX | XX | $XXXXXX | XX/XX/XXXX | Annually | 2.86% | 2.86% | 2.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 341397.61 | 28.1 | 341397.61 | 28.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2158794 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.211 | 1.211 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 670 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 148516.49 | 119.9 | 183868.97 | 148.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2158796 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.013 | 1.013 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | XX | XXXX | XX/XX/XXXX | USA | XX/XX/XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 33021.51 | 6.1 | 33021.51 | 6.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Urban | No |  |
| 2161579 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.430% | Manual Underwriting | Manual Underwriting | No | 7.970% |  | 7.875% | 7.875% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX | $XXXXXX | N/A |  |  | $0.00 |  |  | 41.27% | 41.27% | 41.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | Yes | 36 | No | Yes | Yes | 0 | 12 | No |  |  |  | 75.97% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Asset Depletion - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 169223.75 | 36.1 | 169223.75 | 36.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2161590 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.486% |  | 7.125% | 7.125% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $XXXXXX | $XXXXXX | Yes | XXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 31.91% | 31.91% | 31.91% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Wage - 3 YRS Executed 4506T Verified - 2026, 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025, 2024 | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | No | Foreign National | Foreign National | N/A | Passport |  | XX | XXXX | XX/XX/XXXX | XXXXXX | XX/XX/XXXX | Work Visa |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 413620.66 | 83.3 | 413620.66 | 83.3 | No | 75 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2161580 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.430% | Manual Underwriting | Manual Underwriting | No | 7.861% |  | 7.750% | 7.750% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $XXXXXX | $XXXXXX | Yes | XXXXXX | XX | $XXXXXX | XX/XX/XXXX | Annually | 11.81% | 11.81% | 11.81% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 682389.89 | 62.2 | 682389.89 | 62.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2161582 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.430% | Manual Underwriting | Manual Underwriting | No | 7.260% |  | 7.125% | 7.125% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $XXXXXX | $XXXXXX | Yes | XXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 44.03% | 44.24% | 44.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 61459.61 | 10.5 | 61459.61 | 10.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | Yes | 37.04 |
| 2161588 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.370% | Manual Underwriting | Manual Underwriting | No | 7.713% |  | 7.250% | 7.250% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX | $XXXXXX | N/A |  |  | $0.00 |  |  | 45.84% | 45.84% | 45.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 677 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2523.00 | 1.3 | 2523.00 | 1.3 | No | 48 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2161577 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.020% | Manual Underwriting | Manual Underwriting | No | 7.986% |  | 7.625% | 7.625% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX | $XXXXXX | N/A |  |  | $0.00 |  |  | 39.17% | 39.17% | 39.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 146950.16 | 18.9 | 146950.16 | 18.9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2161581 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.430% | Manual Underwriting | Manual Underwriting | No | 7.110% |  | 6.750% | 6.750% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $XXXXXX | $XXXXXX | N/A | XXXXXX | XX | $XXXXXX | XX/XX/XXXX | Annually | 32.60% | 33.16% | 33.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | I-551 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 94255.37 | 18.2 | 94255.37 | 18.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2161589 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.077% |  | 6.875% | 6.875% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $XXXXXX | $XXXXXX | Yes | XXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 35.92% | 35.92% | 35.92% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27748.47 | 4.4 | 27748.47 | 4.4 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2163716 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.370% | Manual Underwriting | Manual Underwriting | No | 8.328% |  | 8.000% | 8.000% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX | $XXXXXX | N/A |  |  | $0.00 |  |  | 34.21% | 34.21% | 34.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified - 2026, 2025 | Borrower - 1 YR Executed 4506T Verified - 2026, 2025 | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27747.37 | 6 | 27747.39 | 6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | Yes | 98.50 |
| 2163722 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.370% | Manual Underwriting | Manual Underwriting | No | 7.184% |  | 6.875% | 6.875% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX | $XXXXXX | N/A |  |  | $0.00 |  |  | 27.88% | 27.88% | 27.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34853.17 | 9 | 34853.17 | 9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2163715 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.430% | Manual Underwriting | Manual Underwriting | No | 7.774% |  | 7.375% | 7.375% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX | $XXXXXX | N/A |  |  | $0.00 |  |  | 37.89% | 37.89% | 37.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 95.16% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 172764.80 | 40 | 172764.80 | 40 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2163723 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.370% | Manual Underwriting | Manual Underwriting | No | 7.611% |  | 7.375% | 7.375% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $XXXXXX | $XXXXXX | N/A | XXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 44.77% | 44.93% | 44.93% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | Yes | No | 240 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - 2026 | Borrower - 3 YRS Executed 4506T Verified - 2026 | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 653 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2497415.30 | 214.5 | 2497415.30 | 214.5 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |
| 2163718 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.370% | Manual Underwriting | Manual Underwriting | No | 7.126% |  | 6.875% | 6.875% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $XXXXXX | $XXXXXX | N/A |  |  | $0.00 |  |  | 12.42% | 12.42% | 12.42% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XX/XX/XXXX | XX/XX/XXXX | 0 | 56 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 13592.59 | 3.5 | 33300.03 | 8.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Rural | No |  |
| 2163721 | XXXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXX | XXXXXX | XXXXXX | V1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | XXXXXX | 6.370% | Manual Underwriting | Manual Underwriting | No | 7.848% |  | 7.500% | 7.500% | $XXXXXX | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $XXXXXX | $XXXXXX | Yes | XXXXXX | XX | $XXXXXX | XX/XX/XXXX | Monthly | 44.48% | 44.48% | 44.48% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | Less than 1 Month NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 37.11% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 147 | 27 | Other NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2026, 2025, 2024 \|\| Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2026, 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2026, 2025 | XXXXXX | XXXXX | XX | XXXXX | XXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 425550.43 | 58.5 | 425550.43 | 58.5 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | No |  | XXXXXX | Suburban | No |  |

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## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 5**

---

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| ALT 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 |
| 2128046 | XXXXX |  | XXXX | XXXXXX | XXX -18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1025 |  |  |  |  | $XXXXX | Appraisal - 1025 | No | 73.87 | 1.354 | 1.354 | 4727.6 | $XXXXX | XX/XX/XXXX | 12 | 3100 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  | $XXXXXX |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 9.42 | No |  |  | Vested Individual | XXXXXXX | XXXXXX | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 2153546 | XXXXX |  | XXXX | XXXXXX | XXX 18 Prime Minus Investment 30 Year Fixed (Grade A) | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3622.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 4.3 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXXX | XXXXXX | Individual Guarantor | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXXXXX | Vacant |
| 2153551 | XXXXX |  | XXXX | XXXXXX | XXX 18 Investor DSCR 30 Year Fixed I/O | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | $XXXXX | Other | 12 | 24.00% | $XXXXX | Other | Yes | 95.12 | 1.051 | 1.051 | 4629.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  | $XXXXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 55.47 | No |  |  | Vested Individual | XXXXXXX | XXXXXX | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 2153541 | XXXXX |  | XXXX | XXXXXX | XXX 18 Investor DSCR 30 Year Fixed IO | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 94.72 | 1.05 | 1.056 | 2349.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  | $XXXXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.61 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 2153552 | XXXXX |  | XXXX | XXXXXX | XXX 18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1025 |  |  |  |  | $XXXXX | Appraisal - 1025 | No | 58.81 | 1.7 | 1.7 | 999.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  | $XXXXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27.15 | No |  |  | Vested Individual | XXXXXXX | XXXXXX | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 2153538 | XXXXX |  | XXXX | XXXXXX | XXX 18 Prime Minus Investment 30 Year Fixed (Grade A) | 1YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1988.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 17.17 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Owner |
| 2155677 | XXXXX |  | XXXX | XXXXXX | XXX 18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1025 |  |  |  |  | $XXXXX | Appraisal - 1025 | No | 51.18 | 1.954 | 1.954 | 739.48 | $XXXXX | XX/XX/XXXX | 12 | 750 | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  | $XXXXXX |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 15.24 | No |  |  | Vested Individual | XXXXXXX | XXXXXX | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 2158798 | XXXXX |  | XXXX | XXXXXX | XXX 18 Investor DSCR 15 Yr Fix | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | $XXXXX | Other | 12 | 77.80% | $XXXXX | Other | Yes | 33.68 | 2.969 | 2.969 | 3233.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  | $XXXXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 128.76 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Vacant |
| 2155680 | XXXXX |  | XXXX | XXXXXX | XXX 18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 92.83 | 1.077 | 1.077 | 2506.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  | $XXXXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 124.34 | No |  |  | Vested Individual | XXXXXXX | XXXXXX | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 2158793 | XXXXX |  | XXXX | XXXXXX | XXX 18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1025 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 69.43 | 1.44 | 1.44 | 2082.86 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  | $XXXXXX |  |  |  |  |  |  | No | No | 7.7 | 1 | 1 | N/A | 89.9 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| 2158792 | XXXXX |  | XXXX | XXXXXX | XXX 18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 72.5 | 1.379 | 1.379 | 1014.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  | $XXXXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 45.14 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 2158799 | XXXXX |  | XXXX | XXXXXX | XXX 18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | No | 0 | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 66.55 | 1.503 | 1.503 | 1397.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  | $XXXXXX |  |  |  |  |  |  |  | No | 0.4 | 1 | 1 | N/A | 13.78 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Vacant |
| 2158797 | XXXXX |  | XXXX | XXXXXX | XXX 18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1025 |  |  |  |  | $XXXXX | Appraisal - 1025 | No | 99.51 | 1.005 | 1.005 | 3880.95 | $XXXXX | XX/XX/XXXX | 12 | 995 | XX/XX/XXXX | 12 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  | $XXXXXX |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 16.66 | No |  |  | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 2158794 | XXXXX |  | XXXX | XXXXXX | XXX 18 Investor DSCR - 30-Year Fixed Rate | Debt Service Coverage Ratio | Present | Yes | $XXXXX | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Actual In Place Rent | No | 82.57 | 1.211 | 1.211 | 1238.48 | $XXXXX | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  | $XXXXXX |  |  |  |  |  |  | No | No | 3.3 | 1 | 1 | N/A | 148.46 | Yes | XXXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXXX | Tenant |
| 2158796 | XXXXX |  | XXXX | XXXXXX | XXX 18 Investor DSCR 30 Year Fixed | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | $XXXXX | Appraisal - 1007 |  |  |  |  | $XXXXX | Appraisal - 1007 | No | 98.72 | 1.013 | 1.013 | 5429.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $XXXXXX |  |  |  | $XXXXXX |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.08 | No |  |  | Vested Individual | XXXXXXX | XXXXXX | Vested Individual | XXXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 6**

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| **ALT 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** |
| 2128046 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 78.64 | 78.64 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2153546 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 2153551 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 2153541 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 2153552 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2153538 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XX/XX/XXXX |
| 2155677 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2158798 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60.0 | 60.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 2155680 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 60.0 | 60.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 2158793 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 28.59 | 28.59 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 2158795 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2158792 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 2158799 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2158797 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2158800 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 2158801 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 2158794 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 2158796 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 2161579 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 2161590 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 2161580 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 2161582 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 2161588 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 48.0 | 48.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 2161577 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2161581 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 2161589 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 2163716 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 2163722 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 2163715 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 2163723 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 70.0 | 70.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 2163718 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2163721 | XXXXXXX |  | XXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |

---

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.08 - Schedule 7**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ALT ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2128046 | XXXXXX |  | XXXXXXX | XXXXXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 2128046 | XXXXXX |  | XXXXXXX | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 756 | 771 | Audit value based on lender qualifying requirements. |
| 2153546 | XXXXXX |  | XXXXXXX | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.64 | 14.05 | Audit reflects difference in qualifying P & I than the approval.  |
| 2153552 | XXXXXX |  | XXXXXXX | XXXXXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 2153538 | XXXXXX |  | XXXXXXX | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.37 | 42.36 | Audit liabilities were based on documents in the loan file.  |
| 2155677 | XXXXXX |  | XXXXXXX | XXXXXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| 2158797 | XXXXXX |  | XXXXXXX | XXXXXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| 2161582 | XXXXXX |  | XXXXXXX | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.24 | 44.03 | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX |
| 2161581 | XXXXXX |  | XXXXXXX | XXXXXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| 2161581 | XXXXXX |  | XXXXXXX | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.16 | 32.60 | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX |
| 2163723 | XXXXXX |  | XXXXXXX | XXXXXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.93 | 44.76 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| 2163721 | XXXXXX |  | XXXXXXX | XXXXXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09**

![](ex9909001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Ellington Management Group, LLC ("Client"). The review was conducted between April 15 2025 and May 05 2026 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 29 Non-QM loans and 69 ATR-QM exempt loans for a total of 98 loans the "Final Securitization Population".

*<u>Credit Reviews (98):</u>*

During the Review, Selene performed a credit review on 98 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (98)</u>*

During the Review, Selene performed a compliance review, when applicable on 98 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (98):</u>*

During the Review, Selene performed a property valuation review on 98 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (98):</u>*

During the Review, Selene performed a Data Integrity Review on 98 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 98 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;98 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;98 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;98 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;98 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, DBRS, Inc. ("DBRS"), Moody's Investors Service, Inc. ("Moody's"), (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Various originator guidelines (the "Guidelines").

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **15**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

 **CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics
of the mortgage loans and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements to determine
whether funds to close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

 **COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument.

 **PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **15**

 **DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Reviewer collects validated loan data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each
received data point is compared to its counterpart collected data point; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 98 mortgage loans, (ii) a Compliance Review on 98 mortgage loans (iii) a Valuation Review on 98 mortgage loans, and (iv) a Data Integrity Review on 98 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 98 mortgage loans; 82 mortgage loans had a rating grade of A, 16 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | |  | &nbsp;&nbsp; ***Grades per loan (98 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (98 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (98 overall loans):*** |  |  |
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;21 | &nbsp;&nbsp;21 | &nbsp;&nbsp;21.43% | &nbsp;&nbsp;A | &nbsp;&nbsp;82 | &nbsp;&nbsp;82 | &nbsp;&nbsp;83.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.08% | &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;16 | &nbsp;&nbsp;16.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;26 | &nbsp;&nbsp;26 | &nbsp;&nbsp;26.53% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;47 | &nbsp;&nbsp;47 | &nbsp;&nbsp;47.96% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **15**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:***  | |
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;91 | &nbsp;&nbsp;91 | &nbsp;&nbsp;92.86% | &nbsp;&nbsp;A | &nbsp;&nbsp;89 | &nbsp;&nbsp;89 | &nbsp;&nbsp;90.82% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;9.18% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  |  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;97 | &nbsp;&nbsp;97 | &nbsp;&nbsp;98.98% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.02% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Page **5** of **15**

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **15**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income
calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

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**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets
was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is
a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file
meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the
DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations
have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm
that any issues have been addressed in the loan file;

Page **8** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan
file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm
the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination
process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate,
and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan
file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been
recorded or have been sent for recording.

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, Selene reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, Selene's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

Page **10** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan originator
 organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage
 loan contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database,
 as available.

**2.** **Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

Page **11** of **15**

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

v) confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing; and

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application.

**3.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

vi) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vii) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

viii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

ix) confirm borrower received LE not later than four (4) business days prior to consummation; and

x) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

Page **12** of **15**

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who are discussing a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG industry group proposal.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application

**4.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

<u>General Ability to Repay</u>

Selene reviewed the applicable mortgage loans to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Page **13** of **15**

Selene reviewed the mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**5.** **The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:** 

a) Providing Appraisals and Other Valuations (12 C.F.R.
1002.14):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal
disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**6.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;** 

Page **14** of **15**

**APPENDIX C– VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations,
and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2018534 | XXXX | XXXX | XXXX C D A |
| 2098700 | XXXX | XXXX | XXXX A |
| 2126853 | XXXX | XXXX | XXXX D A |
| 2124101 | XXXX | XXXX | XXXX D A |
| 2137681 | XXXX | XXXX | XXXX D A |
| 2140102 | XXXX | XXXX | XXXX D A |
| 2137687 | XXXX | XXXX | XXXX C A |
| 2137707 | XXXX | XXXX | XXXX D A |
| 2137690 | XXXX | XXXX | XXXX D A |
| 2137696 | XXXX | XXXX | XXXX D A |
| 2137684 | XXXX | XXXX | XXXX C A |
| 2140111 | XXXX | XXXX | XXXX C A |
| 2140016 | XXXX | XXXX | XXXX D A |
| 2143061 | XXXX | XXXX | XXXX D A |
| 2140017 | XXXX | XXXX | XXXX D A |
| 2140110 | XXXX | XXXX | XXXX A D |
| 2158649 | XXXX | XXXX | XXXX C A |
| 2143987 | XXXX | XXXX | XXXX D C A B |
| 2140083 | XXXX | XXXX | XXXX A |
| 2158650 | XXXX | XXXX | XXXX D C A |
| 2147747 | XXXX | XXXX | XXXX D A |
| 2147748 | XXXX | XXXX | XXXX A |
| 2155494 | XXXX | XXXX | XXXX D A |
| 2158656 | XXXX | XXXX | XXXX C A |
| 2151698 | XXXX | XXXX | XXXX C A |
| 2151892 | XXXX | XXXX | XXXX D A |
| 2158295 | XXXX | XXXX | XXXX A |
| 2155496 | XXXX | XXXX | XXXX C A |
| 2151705 | XXXX | XXXX | XXXX C A |
| 2155505 | XXXX | XXXX | XXXX D A B |
| 2155492 | XXXX | XXXX | XXXX D A |
| 2155498 | XXXX | XXXX | XXXX D A |
| 2158645 | XXXX | XXXX | XXXX C A |
| 2155485 | XXXX | XXXX | XXXX C A |
| 2155501 | XXXX | XXXX | XXXX C A |
| 2158652 | XXXX | XXXX | XXXX C A |
| 2155660 | XXXX | XXXX | XXXX D A |
| 2155489 | XXXX | XXXX | XXXX D C A |
| 2155490 | XXXX | XXXX | XXXX D C A |
| 2155491 | XXXX | XXXX | XXXX D A |
| 2155504 | XXXX | XXXX | XXXX C A B |
| 2155495 | XXXX | XXXX | XXXX D A B |
| 2155488 | XXXX | XXXX | XXXX C A |
| 2155507 | XXXX | XXXX | XXXX C D A |
| 2155659 | XXXX | XXXX | XXXX A |
| 2158653 | XXXX | XXXX | XXXX C A |
| 2158659 | XXXX | XXXX | XXXX A D |
| 2158657 | XXXX | XXXX | XXXX D C A |
| 2155512 | XXXX | XXXX | XXXX D C A |
| 2154546 | XXXX | XXXX | XXXX C A |
| 2158648 | XXXX | XXXX | XXXX D A |
| 2155499 | XXXX | XXXX | XXXX D A |
| 2155502 | XXXX | XXXX | XXXX C A |
| 2158230 | XXXX | XXXX | XXXX A |
| 2155515 | XXXX | XXXX | XXXX A |
| 2158664 | XXXX | XXXX | XXXX C A |
| 2155493 | XXXX | XXXX | XXXX C A |
| 2155511 | XXXX | XXXX | XXXX C A |
| 2158651 | XXXX | XXXX | XXXX D A B |
| 2155510 | XXXX | XXXX | XXXX C A D |
| 2155514 | XXXX | XXXX | XXXX A D |
| 2155486 | XXXX | XXXX | XXXX A |
| 2158644 | XXXX | XXXX | XXXX D A B |
| 2158655 | XXXX | XXXX | XXXX D A |
| 2161439 | XXXX | XXXX | XXXX D A |
| 2161437 | XXXX | XXXX | XXXX D A |
| 2155661 | XXXX | XXXX | XXXX C A |
| 2158646 | XXXX | XXXX | XXXX A |
| 2161440 | XXXX | XXXX | XXXX D A |
| 2155663 | XXXX | XXXX | XXXX A B |
| 2158667 | XXXX | XXXX | XXXX D C B A |
| 2155662 | XXXX | XXXX | XXXX A |
| 2158273 | XXXX | XXXX | XXXX C D A B |
| 2158647 | XXXX | XXXX | XXXX A |
| 2158660 | XXXX | XXXX | XXXX C A D |
| 2158666 | XXXX | XXXX | XXXX A |
| 2158665 | XXXX | XXXX | XXXX D A |
| 2158662 | XXXX | XXXX | XXXX C D A |
| 2158661 | XXXX | XXXX | XXXX A |
| 2158663 | XXXX | XXXX | XXXX A |
| 2158658 | XXXX | XXXX | XXXX A |
| 2158668 | XXXX | XXXX | XXXX A |
| 2158298 | XXXX | XXXX | XXXX C A |
| 2158299 | XXXX | XXXX | XXXX D A |
| 2161438 | XXXX | XXXX | XXXX C D A |
| 2161481 | XXXX | XXXX | XXXX C A B |
| 2161488 | XXXX | XXXX | XXXX A |
| 2161487 | XXXX | XXXX | XXXX A B |
| 2161489 | XXXX | XXXX | XXXX A B |
| 2161483 | XXXX | XXXX | XXXX A B |
| 2161482 | XXXX | XXXX | XXXX A |
| 2163606 | XXXX | XXXX | XXXX A |
| 2161490 | XXXX | XXXX | XXXX A |
| 2163607 | XXXX | XXXX | XXXX A |
| 2161484 | XXXX | XXXX | XXXX C B A |
| 2161485 | XXXX | XXXX | XXXX C B A |
| 2161486 | XXXX | XXXX | XXXX C B A |
| 2163608 | XXXX | XXXX | XXXX D C A |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 2018534 |  |  | Closed | 2025-04-17 01:32 | 2025-04-24 06:27 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Coverage adequate with RCE. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Here is the policy that came with the email from the agent - Seller-XX/XX/XXXX <br>Counter-Updated declarations page not included as referenced in the email provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. RCE - Seller-XX/XX/XXXX <br>Open-Given dwelling amount $XXXXXX not covered the loan amount of $XXXXXX and there is no estimate cost in appraisal. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Here is the policy that came with the email from the agent - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. RCE - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX XXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XXXXXXXX XXXXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2018534 |  |  | Closed | 2025-04-17 01:40 | 2025-04-22 13:37 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXX XXXXXX XXXXXX XXXX XXXX XXXXXXX XX XXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2018534 |  |  | Closed | 2025-04-17 01:57 | 2025-04-18 08:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final HUDX signed by all parties - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Final HUD-1 Document is missing in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final HUDX signed by all parties - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXX XX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2126853 |  |  | Closed | 2026-01-04 22:32 | 2026-01-23 00:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 4 3rd Party VOE Prior to Close Missing | Resolved-Xrd Party VOE is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VVOE - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing BX Xrd party VVOE is missing in file. Provide BX Xrd party VVOE dated no more than XX calendar days prior to Note date as per GL XX.XX.XXXX page #XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. VVOE - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXX XXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXXXX XX XXXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2126853 |  |  | Closed | 2026-01-05 02:17 | 2026-01-13 07:25 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved- Updated XXXX/XXXX uploaded - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX <br>Counter-Updated XXXX and XXXX do not match...Audited DTI is XX.XX % and lender DTI is XX.XX% . The difference is X.X%. This is due to that lender considered all other monthly debt as XXXXX.X whereas per our calculations it is $XXXXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX <br>Open-Audited DTI is XX.XX % and lender DTI is XX.XX% . The difference is X.X%. This is due to that lender considered all other monthly debt as XXXXX.X whereas per our calculations it is $XXXXX.XX. Also, XXXX & XXXX both reflect a $XXX.XX HOA fee.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX- XXXXXXX XXXX/XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXXX.XXX_XXXXX_<br> XXXX.XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2126853 |  |  | Closed | 2026-01-05 00:04 | 2026-01-09 01:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report has uncleared alerts, provided updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high & X Medium uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXX XXX XXXXXXXXX XXXXXX, XXXXXXXX XXXXXXX XXXXX XXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXXXX XXXXXX XXXX XXXX XXXXXXX XX XXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2124101 |  |  | Closed | 2026-01-21 11:22 | 2026-01-21 13:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Property Lease / Management Agreement received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The executed full Lease Agreement for the subject property (XXXX XXXXX XXX XXX) is missing from the file. The initial upload PDF had some pages that opened as blank pages. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXX / XXXXXXXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX X. XXX XXX - XXXXXXXX XXXXXXXXXX XXXXXXXXX (X).XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2137681 |  |  | Closed | 2026-01-27 21:46 | 2026-02-23 06:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX <br>Counter-Policy attach does not indicate coverage amount or state final policy - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Requested updated title policy with updated coverage amount provided which covers loan amount, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The final Loan Policy is in the amount of $XXXXXX.XX - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title policy with sufficient coverage amount. Title coverage is less than loan amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The final Loan Policy is in the amount of $XXXXXX.XX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXXXXXX XXXXX XXXXXX XXXX XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXXXX XXXXXX XXXX XXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXX.XXX_XXXXX_<br> XX-XXX (X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2137681 |  |  | Closed | 2026-01-28 16:25 | 2026-02-19 06:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX <br>Counter-This is a cashout and have lease in file for X,XXX on page. XXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR<br> This is a purchase and there is not a lease agreement in the file on this one. <br> The XXXX supports rents of $XXXX, borrowers qualifying payment is $XXXX.XX and our final DSCR ratio is X.XXX%.<br> - Seller-XX/XX/XXXX <br>Open-Lease rents is at XXXX and market t rents are at X,XXX based on guidelines cannot go above XXX% max would be at XXXX for market rents XXXX/XXXX.XX= X.XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR<br> This is a purchase and there is not a lease agreement in the file on this one. <br> The XXXX supports rents of $XXXX, borrowers qualifying payment is $XXXX.XX and our final DSCR ratio is X.XXX%.<br> - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXX.XXX_XXXXX_<br> XXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2137681 |  |  | Closed | 2026-01-28 16:27 | 2026-02-02 06:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final HUD X - Seller-XX/XX/XXXX <br>Counter-No docs were attached - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Final HUD-1 - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Need the signed executed final hud one in file is not signed or executed. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final HUD X - Seller-XX/XX/XXXX <br>Ready for Review-Final HUD-1 - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXX_XXX-X.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2140102 |  |  | Closed | 2026-02-04 05:17 | 2026-03-10 07:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Rental income removed. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX removing all rental income. <br> The following debts have been documented as being paid by the business: XX XXXX XXXX, XXXXXXXXX XXXXXXXXX; XXXX XXXXXX XXXX; XXXXX XXXXXX XXXX therefore have been omitted from the debt ratio <br> - Seller-XX/XX/XXXX <br>Counter-per XXXX in file rental income is being used for qualification. There is no lease in file, and appraisal states property is owner occupied. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide the XXXX form - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX/XXXX removing all rental income. <br> The following debts have been documented as being paid by the business: XX XXXX XXXX, XXXXXXXXX XXXXXXXXX; XXXX XXXXXX XXXX; XXXXX XXXXXX XXXX therefore have been omitted from the debt ratio <br> - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXX - XXXX XXXXXXXXXXX.XXXX.XXX_XXXXX_<br> XXXX.XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2140102 |  |  | Closed | 2026-02-04 05:20 | 2026-02-18 13:48 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-received updated XXXX and XXXX DTIs are now in line - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX <br>Counter-Need updated XXXX. The DTIs dont match audited DTIs. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX with DTI - Seller-XX/XX/XXXX <br>Open-Audited DTI XX.XX% and Lender DTI XX.XX%, Variance is XX.XX% which is due to that Lender consider Monthly debt as $XXXX whereas per our Audit it is $XXXX.XX, Primary housing expense ratio incorrect in XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX/XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX/XXXX with DTI - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXX XXX XXXX XXXX XXX XXX XX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXXX.XXX_XXXXX_<br> XXXX.XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2140102 |  |  | Closed | 2026-02-04 05:06 | 2026-02-09 06:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business operating agreement uploaded. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Business Operating Agreement - Seller-XX/XX/XXXX <br>Open-Provide the business narrative document - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Business Operating Agreement - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2140102 |  |  | Closed | 2026-02-04 03:39 | 2026-02-09 04:02 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required clear fraud report is missing from file.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXX XXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXXXX XXXXXX XXXX XXXX XXXXXXX XX XXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2137687 |  |  | Closed | 2026-02-12 08:09 | 2026-02-17 02:17 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XXX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2137707 |  |  | Closed | 2026-02-14 00:07 | 2026-02-25 07:58 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Uploaded Final XXXX and LOE confirms, Borrower Lives Rent Free & has no primary housing expense , Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Per XX XX.XX.XXXX page #XX, XX-month housing history required for primary residence. Hence, provide proof of document verifying XX months housing history as it is not in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXX XXXX XXX XXX XXXXXXXX, XXXXXXXX XXXXX XXXX XXXX & XXX XX XXXXXXX XXXXXXX XXXXXXX , XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXX XXXXX.XXX_XXXXX_<br> XXX - XXXX XXXX.XXX_XXXXX_<br> XXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2137707 |  |  | Closed | 2026-02-19 08:02 | 2026-02-24 06:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received updated worksheet updated DFL page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. New DSCR calc and the XXXX - Seller-XX/XX/XXXX <br>Open-Per XX XX.XX.XXXX page#XX, If using a higher monthly actual lease amount, evidence of X-months of receipt is required. Hence, provide X months rent receipts as higher lease rents are used for qualification. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. New DSCR calc and the XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXX XXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XX XXXX XXXXXXXXXX.XXX_XXXXX_<br> XXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2137707 |  |  | Closed | 2026-02-13 23:39 | 2026-02-20 02:02 | Resolved | 1 - Information C A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Final Settlement Statement uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX <br>Open-Provide updated HUDX as the one in file is (X) missing settlement agent signature (X) does not show prior first lien being paid off.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2137690 |  |  | Closed | 2026-02-17 02:58 | 2026-02-19 12:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX <br>Open-Title Document is missing Provide updated Title Document as it is missing in the file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Policy - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXX XXXX XXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2137696 |  |  | Closed | 2026-02-18 09:40 | 2026-02-25 06:57 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Received updated appraisal showing as tenant occupied updated property page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated Appraisal - Seller-XX/XX/XXXX <br>Open-Investment property and appraisal has it marked as owner occupied - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated Appraisal - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXX XX XXXXXX XXXXXXXX XXXXXXX XXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2137696 |  |  | Closed | 2026-02-18 09:32 | 2026-02-25 06:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 3 Missing | Resolved-Received updated gift letter for XXk and wire confirmation updated asset page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift letter and wire - Seller-XX/XX/XXXX <br>Open-Need wire confirmation for gift funds in the amount of XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Gift letter and wire - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXX XXXXXX XXX XXX XXX XXXX XXXXXXXXXXXX XXXXXXX XXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXX.XXX_XXXXX_<br> XXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2137696 |  |  | Closed | 2026-02-17 06:21 | 2026-02-18 11:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final HUD1 signed - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Provide the Final HUD1 document - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final HUD1 signed - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2137684 |  |  | Closed | 2026-02-24 21:01 | 2026-02-27 09:04 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Housing History - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Provide VOM or free and clear letter to verify primary mortgage history - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Housing History - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX - XXXXXXX XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2137684 |  |  | Closed | 2026-02-24 04:36 | 2026-02-27 02:24 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts The fraud report in file (page # XXX) is showing X Low uncleared alert. The required clear fraud report is missing from file.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXX XXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXXXX XXXXXX XXXX XXXX XXXXXXX XX XXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2140111 |  |  | Closed | 2026-03-02 03:32 | 2026-03-04 23:50 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final ALTA - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Updated as per title document, Title Coverage Amount of $XXXXXX is Less than Loan Amount of $XXXXXX provide an updated title policy document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final ALTA - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXX XXXX XXXXXX XX XXXXX XXX (X-X-XX)(X)-XX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2140111 |  |  | Closed | 2026-03-02 04:51 | 2026-03-04 23:47 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud with Cleared Alerts provided.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX-XX-XXXX page #XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing high X uncleared alert. The required cleared Fraud report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXX XXXXXXX XXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2140016 |  |  | Closed | 2026-03-02 23:32 | 2026-03-10 11:05 | Resolved | 1 - Information C A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Received updated income calculation. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DSCR worksheet pulled the incorrect information for the P&I and taxes. Taxes have been updated as well to include school taxes. - Seller-XX/XX/XXXX <br>Counter-Please clarify P&I calculation, the note is showing a different amount listed.<br> Please clarify as to why the school taxes are being excluded from the property taxes calculation. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Data tape had incorrect unit count. There are X units in this property with X leases. Attached is the DSCR worksheet. - Seller-XX/XX/XXXX <br>Open-Missing DSCR calculation worksheet to confirm DSCR, data tape lists X units, appraisal lists X units. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. DSCR worksheet pulled the incorrect information for the P&I and taxes. Taxes have been updated as well to include school taxes. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Data tape had incorrect unit count. There are X units in this property with X leases. Attached is the DSCR worksheet. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXXXX XXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXX XXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2140016 |  |  | Closed | 2026-03-03 09:05 | 2026-03-06 11:18 | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Certificate of Good Standing Document is missing | Resolved-Received Cert of good standing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Certification of Good Standing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXX XX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXX XXXXXXXXXXX - XXXX XXXXXX XXXXXXX, XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2140016 |  |  | Closed | 2026-03-03 11:38 | 2026-03-06 11:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received updated XXXX with REO properties. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing updated XXXX showing all REO properties. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXX XXXX XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2140016 |  |  | Closed | 2026-03-03 00:31 | 2026-03-06 02:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance monthly premium matches the uploaded Final HUD-1 document, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Correct premium is $X,XXX annually. Updated HUD and DSCR worksheet have been uploaded showing the $XXX/month amount. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Hazard insurance on page #$XXX, the premium is $XXX (or $X,XXX annually). However, per the final HUD on page #X, the premium is $XXX.XX. provide proof of document verifying this $XXX.X premium. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Correct premium is $X,XXX annually. Updated HUD and DSCR worksheet have been uploaded showing the $XXX/month amount. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXX XXXXXXX XXXXXXX XXX XXXXXXXX XXXXX XXX-X XXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXX.XXX_XXXXX_<br> XXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2140016 |  |  | Closed | 2026-03-02 21:28 | 2026-03-06 02:06 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-The XXXX document is missing from the loan file. Provide XXXX document as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2143061 |  |  | Closed | 2026-03-03 10:25 | 2026-03-17 12:50 | Resolved | 1 - Information C A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Received tax cert, DSCR calculation worksheet. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-City taxes = $XXX.XX biannually = $XXX.XX yearly/XX = $XX.XX monthly (as seen on the HUD)<br> County taxes = $XXX.XX biannually = $XXX.XX yearly/XX = $XX.XX monthly (as seen on the HUD)<br> School taxes = $XXX.XX biannually = $XXX.XX yearly/XX = $XX.XX monthly (as seen on the HUD)<br>Total taxes = $X,XXX.XX/XX = $XXX.XX monthly - this amount is shown as the total taxes on the updated DSCR worksheet - Seller-XX/XX/XXXX _xXXXX_<br> Counter-Please clarify as to why the county taxes are removed but are being counted on the tax cert. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Previous DSCR worksheet was incorrect. Attached is the updated DSCR worksheet. Tax cert is correct and has been attached along with corrected Final HUD. - Seller-XX/XX/XXXX _xXXXX_<br> Counter-X. P&I calculation does not match what is listed on the Note.<br> X. Per previous findings, please clarify if the property taxes are excluding any city/school taxes, cannot confirm as the tax cert is missing currently from the file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Missing DSCR calculation worksheet from the file to confirm the DSCR. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-City taxes = $XXX.XX biannually = $XXX.XX yearly/XX = $XX.XX monthly (as seen on the HUD)<br> County taxes = $XXX.XX biannually = $XXX.XX yearly/XX = $XX.XX monthly (as seen on the HUD)<br> School taxes = $XXX.XX biannually = $XXX.XX yearly/XX = $XX.XX monthly (as seen on the HUD)<br>Total taxes = $X,XXX.XX/XX = $XXX.XX monthly - this amount is shown as the total taxes on the updated DSCR worksheet - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Previous DSCR worksheet was incorrect. Attached is the updated DSCR worksheet. Tax cert is correct and has been attached along with corrected Final HUD. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX XXX XXXX, XXXX XXXXXXXXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXX XXXX XXXXXXXXX.XXX_XXXXX_<br> XXX_XXXX - XXXX XXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXX XXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2143061 |  |  | Closed | 2026-03-03 02:16 | 2026-03-17 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax cert/ HUD. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-City taxes = $XXX.XX biannually = $XXX.XX yearly/XX = $XX.XX monthly (as seen on the HUD)<br> County taxes = $XXX.XX biannually = $XXX.XX yearly/XX = $XX.XX monthly (as seen on the HUD)<br> School taxes = $XXX.XX biannually = $XXX.XX yearly/XX = $XX.XX monthly (as seen on the HUD)<br>Total taxes = $X,XXX.XX/XX = $XXX.XX monthly - this amount is shown as the total taxes on the updated DSCR worksheet - Seller-XX/XX/XXXX _xXXXX_<br> Counter-Please clarify as to why the county taxes are removed but are being counted on the tax cert. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Tax cert is correct. HUD was incorrect. Attached is the corrected HUD with the corresponding tax numbers. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Missing Evidence of Property Tax Per the final HUD-X, the city tax is $XX.XX, the school tax is $XX.XX, and the county tax is $XXX.XX. Provide supporting documentation validating these tax amounts. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-City taxes = $XXX.XX biannually = $XXX.XX yearly/XX = $XX.XX monthly (as seen on the HUD)<br> County taxes = $XXX.XX biannually = $XXX.XX yearly/XX = $XX.XX monthly (as seen on the HUD)<br> School taxes = $XXX.XX biannually = $XXX.XX yearly/XX = $XX.XX monthly (as seen on the HUD)<br>Total taxes = $X,XXX.XX/XX = $XXX.XX monthly - this amount is shown as the total taxes on the updated DSCR worksheet - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Tax cert is correct. HUD was incorrect. Attached is the corrected HUD with the corresponding tax numbers. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX XXX XXXX/ XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2143061 |  |  | Closed | 2026-03-03 11:52 | 2026-03-13 12:03 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Received XX day bank statements. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Counter-Received XX days of bank statements, missing XX days in total for the asset seasoning requirement.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Missing XX days of seasoning for asset documentation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX XX XXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXX XXXX XXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXX XXXX XXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2143061 |  |  | Closed | 2026-03-03 11:50 | 2026-03-06 11:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received updated REO section. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Missing final XXXX with all REO properties. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX XXXXXXX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2143061 |  |  | Closed | 2026-03-03 10:24 | 2026-03-06 01:52 | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Certificate of Good Standing Document is missing | Resolved-Subsistence Certificate uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Provide Certification of Good Standing document as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXXXXX XXXXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXX XXXXXXXXXXX - XXXX XXXXXX XXXXXXX, XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2143061 |  |  | Closed | 2026-03-03 01:32 | 2026-03-06 01:52 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-The XXXX document is missing from the loan file. Provide XXXX document as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXX XXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2143061 |  |  | Closed | 2026-03-03 11:10 | 2026-03-06 00:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Missing initial XXXX to confirm application date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2140017 |  |  | Closed | 2026-03-03 05:17 | 2026-03-16 10:14 | Resolved | 1 - Information C A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Received DSCR calculation worksheet. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Counter-Missing updated DSCR worksheet. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-DSCR Worksheet pulled incorrectly. Correct DSCR worksheet has been uploaded with city and school taxes included. P&I also pulled incorrectly onto the form. This has been corrected as well.<br> No revised XXXX was completed. We used the $X,XXX market rent amount from the leases to calculate the DSCR. DSCR was over X.XX so there was no need to use the higher amount. - Seller-XX/XX/XXXX _xXXXX_<br> Counter-X. P&I on the Note shows a different amount that what is listed on the calculation worksheet.<br> X. Please clarify why the city and school taxes are being excluded from the calculation.<br> X. Please advise if there was a revised XXXX form completed to show the $X,XXX amount, the current amount in the file is listed at $X,XXX per month. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Missing DSCR calculation worksheet from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-DSCR Worksheet pulled incorrectly. Correct DSCR worksheet has been uploaded with city and school taxes included. P&I also pulled incorrectly onto the form. This has been corrected as well.<br> No revised XXXX was completed. We used the $X,XXX market rent amount from the leases to calculate the DSCR. DSCR was over X.XX so there was no need to use the higher amount. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX XXXX XXXXXXXXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXX XXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2140017 |  |  | Closed | 2026-03-03 12:15 | 2026-03-13 11:50 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Received XX day bank statements. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Counter-Received XX days of bank statements, missing XX days in total for the asset seasoning requirement. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Missing XX day seasoning for bank statements. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX XX XXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXX XXXX XXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXX XXXX XXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2140017 |  |  | Closed | 2026-03-03 11:21 | 2026-03-13 11:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received signed initial XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial XXXX is signed by both borrower and broker on X/X/XXXX which is the original application date. - Seller-XX/XX/XXXX <br>Counter-Received an unexecuted XXXX, missing confirmation of the application date. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing initial XXXX confirming application date.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial XXXX is signed by both borrower and broker on X/X/XXXX which is the original application date. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXX XXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXXXX XX XXXXXXXXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2140017 |  |  | Closed | 2026-03-03 11:21 | 2026-03-13 11:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received updated XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Pages X and X of the final XXXX show all REO owned by the borrower. - Seller-XX/XX/XXXX <br>Counter-Missing updated REO properties. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX shows the correct broker information. LOS system defaulted to XXXXXXX XXXXXXX XXX as the originator by mistake but kept the broker information. Final XXXX has all the corrected info for that broker. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing X. Missing XXXX showing all REO properties listed.<br> X. Missing clarification for LO section, data proof sheet showing a broker listed, final XXXX shows Lender name. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Pages X and X of the final XXXX show all REO owned by the borrower. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX shows the correct broker information. LOS system defaulted to XXXXXXX XXXXXXX XXX as the originator by mistake but kept the broker information. Final XXXX has all the corrected info for that broker. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX_XXXXX_<br> XXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2140017 |  |  | Closed | 2026-03-03 10:28 | 2026-03-06 02:03 | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Certificate of Good Standing Document is Missing | Resolved-Subsistence Certificate uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide certificate of good standing as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXX XXXXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXX XXXXXXXXXXX - XXXX XXXXXX XXXXXXX XX, XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2140017 |  |  | Closed | 2026-03-02 23:54 | 2026-03-06 02:01 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide XXXX document as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2140110 |  |  | Closed | 2026-03-09 04:53 | 2026-03-10 03:38 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Requested secondary valuation provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - LCS score of X - Seller-XX/XX/XXXX <br>Open-Provide a second property valuation of a XXXX and/or XXXXXX UCDP/SSR report with scores less than X.X; or an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. File needs a XXXX and/or XXXXXX UCDP/SSR report with scores less than X.X; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - LCS score of X - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX_XXXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158649 |  |  | Closed | 2026-03-09 05:13 | 2026-04-15 06:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-GAP Letter from insurance agent confirming no claims against property. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The insurance can not back date the insurance so our way of clearing these exceptions is making sure there have been no claims against the property. - Seller-XX/XX/XXXX <br>Counter-Can they provide a policy with an effective date before closing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. GAP Letter from insurance agent confirming no claims against property. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Effective Date after Note date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The insurance can not back date the insurance so our way of clearing these exceptions is making sure there have been no claims against the property. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. GAP Letter from insurance agent confirming no claims against property. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXX XXXX XXXXXXXXX XXXXX XXXXXXXXXX XX XXXXXX XXXXXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXXX.XXX_XXXXX_<br> XX XXXXXX.XXX_XXXXX_<br> XXXXXXX XX XXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158649 |  |  | Closed | 2026-03-09 05:24 | 2026-03-12 03:44 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in Fraud report, provided updated fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-Per the GL XX-XX-XXXX page # XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing high X uncleared alert. The required cleared Fraud report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX XXXXXXXXX XXXXXX XX XXXXX XXXXXX, XXXXXXXX XXXXXXX XXXXX XXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2143987 |  |  | Closed | 2026-03-10 05:14 | 2026-03-12 03:38 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in Fraud report, provided updated fraud Report, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX XXXXXXXXX XXXXXX XX XXXXX XXXXXX, XXXXXXXX XXXXXXX XXXXX XXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2143987 |  |  | Closed | 2026-03-10 06:50 | 2026-03-12 03:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-provided Insurance is for X months, asked for complete Xyear insurance document, provided remaining Insurance document, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Property insurance - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Provide updated X year hazard insurance policy, provided one showing only X months policy (XX/XX/XXXX-XX/XX/XXXX) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Property insurance - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXXX XX XXX X XXXXXX, XXXXX XXX XXXXXXXX XXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2143987 |  |  | Closed | 2026-03-10 14:57 | 2026-03-11 09:14 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Received executed Final XXXX - updated XXXX page - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX <br>Open-Provide fully executed Final XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX XXXXX XXXX - XXXXXXX XXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX_XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2143987 |  |  | Closed | 2026-03-10 02:10 | 2026-03-11 06:04 | Acknowledged | 2 - Non-Material B | Credit | Credit | Spousal Consent Missing | Acknowledged-Client Acknowledges - Due Diligence Vendor-XX/XX/XXXX <br>Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Provide the evidence of spousal consent - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 2158650 |  |  | Closed | 2026-03-13 04:34 | 2026-04-22 13:47 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Reinspection Fee (Fee ID: 77) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX desk review invoice and seller certificate - Seller-XX/XX/XXXX <br>Counter-The Appraisal Desk Review Fee is not allowed to be charged to the borrower in XXX XXXXXX. XXX XXXXXX strictly limits lender fees in a mortgage transaction to those expressly permitted in X.X. Rev. Stat. § XX:XXC XX, and X.X.X.X. X:X-XX.X - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX <br>Open-Section X:X-XX.X of the XXX XXXXXX Mortgage Loans, Fees, Obligations Provisions (X.X.X.X. X:X-XX.X) does not allow Reinspection Fee (Fee ID: XX) to be charged to the Borrower in XX. Appraisal desk review fee & Reinspection fee both are not allowed in XX state. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX desk review invoice and seller certificate - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX<br>| _XXXXX_ | XXXXXXXX-XXXXXXXXX_XXXXXX XXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXX-XXXXXXXXX_XXXXXX XXXXXXXXXXX XX XXXX.XXX_XXXXX_<br> XXXXXXXX-XXXXXXXXX XXXXX XXXXXXX XXXX XXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158650 |  |  | Closed | 2026-04-03 06:17 | 2026-04-22 13:47 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Appraisal Review Fee (Fee ID: 96) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-waiting for Compliance - Due Diligence Vendor-XX/XX/XXXX <br>Open-Section X:X-XX.X of the XXX XXXXXX Mortgage Loans, Fees, Obligations Provisions (X.X.X.X. X:X-XX.X) does not allow Appraisal Review Fee (Fee ID: XX) to be charged to the Borrower in XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. tolerance cure - Seller-XX/XX/XXXX <br>Counter-In XXX XXXXXX, the fact that an appraisal review or desk review fee was paid to a third party does not make the fee permissible. X.X.X.X. X:X-XX.X authorizes only a bona fide appraisal fee equal to the actual cost of the appraisal itself. A separate review fee—regardless of payee—remains impermissible. May be cured if the client refunds the fee violation and provides Selene a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. tolerance cure - Seller-XX/XX/XXXX<br>| _XXXXX_ | XXXXXXXX- XXXXXXXXX_XXXXXXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158650 |  |  | Closed | 2026-03-12 23:41 | 2026-04-22 09:22 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets XXXXXXXXX Requirements received rent receipt and cancelled check with lease for bwr X - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. the lease for BX and the rent check for the full year - Seller-XX/XX/XXXX <br>Counter-Housing History Does Not Meet XXXXXXXXX Requirements housing history for bwr X confirmed - housing history for bwr X required. Need proof of X months rent receipts at XXXX XXXX XXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LOE - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements Unable to verify XX months housing history for borrower, X months for current address "XXXX XXXXX XX X" & X months for prior current address "XXX XXXXXXXXX XX". Provide VOR for current address "XXXX XXXXX XX X" and rent free or no primary expense letter for prior current address "XXX XXXXXXXXX XX" - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. the lease for BX and the rent check for the full year - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LOE - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXXX XXXX XXXXXXX XXX XXXXXXXXX XXXXX XXXX XXXXX XXX XXX X - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XX XXXXX.XXX_XXXXX_<br> XX XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158650 |  |  | Closed | 2026-03-13 00:47 | 2026-03-24 07:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-received worksheet for #XXXX and confirmed income - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated income wit XXXX/XXXX. Borrower is not a FTHB - Seller-XX/XX/XXXX <br>Open-Audited DTI Exceeds XXXXXXXXX DTI As per GL XX.XX.XXXX page #XX for FTHB max DTI is XX %, Audited DTI XX.XX% lender DTI XX.XX% difference is X.XX% this is due to lender considered the monthly income as $XXXX.XX whereas as per our calculation monthly income as $XXXX.XX<br>difference due to Bwr X income - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated income wit XXXX/XXXX. Borrower is not a FTHB - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXXX XXX #XXXX XXX XXXXXXXXX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXX.XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158650 |  |  | Closed | 2026-03-12 23:05 | 2026-03-24 07:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated income wit XXXX/XXXX. Borrower is not a FTHB - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. BX - lender income worksheet is missing for account #XXXX . Provide the lender income worksheet for account #XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated income wit XXXX/XXXX. Borrower is not a FTHB - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXX.XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158650 |  |  | Closed | 2026-03-13 02:27 | 2026-04-21 15:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML XXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) \*\*The loan meets HPML XXXXXXXXX and is a Compliant HPML loan.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX , XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX . The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) \*\*XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX# XX , XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX . XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2147747 |  |  | Closed | 2026-03-16 10:14 | 2026-03-17 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing lease agreement for other unit rented - appraisal states both units are rented month to month but only X lease provided and need to validate the rental amounts used for the DSCR calculation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX X XXXXXXX - XXXXX X.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2147747 |  |  | Closed | 2026-03-16 09:06 | 2026-03-17 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided the XXXX - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXX XXXX - XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2155494 |  |  | Closed | 2026-03-17 10:14 | 2026-04-09 16:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 2 Missing | Resolved-Updated XXXX and asset page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Counter-Will also need updated XXXXX does not have gift funds being used - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift Documentation - Seller-XX/XX/XXXX <br>Open-Need the source of the deposit in the amount of XXX,XXX.XX into borrower account - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift Documentation - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXX XXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXXXXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155494 |  |  | Closed | 2026-03-17 03:26 | 2026-03-19 00:53 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br> Open-Fraud report reflecting uncleared alerts, per XXXX lending guidelines dated XX/XX//XXXX, required updated fraud report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXX XXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155494 |  |  | Closed | 2026-03-17 02:09 | 2026-03-18 02:15 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-LCA (Freddie SSR) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary valuation/desk review. CU available in file have CU score X.X greater than X.X, required additional valuation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX (XXXXXXX XXX) XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX_XXXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158656 |  |  | Closed | 2026-03-17 22:55 | 2026-03-20 01:32 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-The fraud report in file (page # XXX) is showing X high uncleared alerts. The required clear fraud report is missing from file.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXX XXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158656 |  |  | Closed | 2026-03-17 23:43 | 2026-03-17 23:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and Final Closing disclosure on Pg #XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX #XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX #XXX-XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX #XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX #XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX #XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2151698 |  |  | Closed | 2026-03-20 06:29 | 2026-03-27 03:04 | Resolved | 1 - Information C A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Requested Settlement Statement provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Signed Alta - Seller-XX/XX/XXXX <br>Open-One in file final Hud X settlement agent signature is missing. Provide updated final Hud X with settlement agent signature. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Signed Alta - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2151698 |  |  | Closed | 2026-03-20 06:30 | 2026-03-26 04:58 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Provide Third Party Fraud Report with all Cleared alerts as Per the GL XX.XX.XXXX page # XX<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXX XXXXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2151892 |  |  | Closed | 2026-04-01 01:03 | 2026-04-01 09:36 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Pro Forma Title Policy received with sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Title Coverage amount of $XXXXXXX is less than loan amount XXXXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXXX XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX X XXXXX (X).XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2151892 |  |  | Closed | 2026-04-01 01:49 | 2026-04-01 08:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Both missing Flood Certs received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. flood certs for XXX and XXX uploaded. - Seller-XX/XX/XXXX <br>Open-Flood Cert is missing for the following propertied<br> XXX XXXXXXXX XXXXX<br> XXX XXXXXXXX XXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. flood certs for XXX and XXX uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXX XXXXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXX XX XX XXXXX.XXX_XXXXX_<br> XXX XXXXXXXX XX XX XXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2151892 |  |  | Closed | 2026-04-01 01:03 | 2026-04-01 09:36 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Pro Forma Title Policy received with sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Title Coverage amount of $XXXXXXX is less than loan amount XXXXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXXX XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX X XXXXX (X).XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2151892 |  |  | Closed | 2026-04-01 01:49 | 2026-04-01 08:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Both missing Flood Certs received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. flood certs for XXX and XXX uploaded. - Seller-XX/XX/XXXX <br>Open-Flood Cert is missing for the following propertied<br> XXX XXXXXXXX XXXXX<br> XXX XXXXXXXX XXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. flood certs for XXX and XXX uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXX XXXXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXX XX XX XXXXX.XXX_XXXXX_<br> XXX XXXXXXXX XX XX XXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2155496 |  |  | Closed | 2026-03-26 02:55 | 2026-04-07 07:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Exception approval Uploaded - Due Diligence XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Exception approval - XXXXXX-XX/XX/XXXX <br> Open-Audited LTV Exceeds Guideline LTV Audited LTV is XX% whereas Guideline LTV is XX% as the property is in Rural, As per XXXX Max LTV for Rural as per matrix dated XX/XX/XXXX is XX%. - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception approval - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155496 |  |  | Closed | 2026-03-27 10:32 | 2026-04-07 07:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Document Uploaded. COC X/X/XX - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC X/X/XX - XXXXXX-XX/XX/XXXX <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: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXX.XX(e)(X); XX XXX XXXXXX.XX(e)(X); XX XXX XXXXXX.XX(f)(X)(v)). Provide COC - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. COC X/X/XX - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX. XXX X/X/XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXX X-X-XX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155496 |  |  | Closed | 2026-03-26 02:38 | 2026-04-01 00:38 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Wire proof doc provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final funds from XXXXX - XXXXXX-XX/XX/XXXX <br>Open-Provide proof of funds for the other assets funds form new XXXXX of $XXX,XXX as per XXXX final on page #XXX. - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final funds from XXXXX - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXX XXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXX - XXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155496 |  |  | Closed | 2026-03-26 03:01 | 2026-03-31 01:35 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXX XXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2151705 |  |  | Closed | 2026-03-26 02:45 | 2026-03-31 06:31 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements. Rent free letter uploaded. - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Rent Free Letter - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Provide proof for housing history or LOX for XXXX XXX XXXXXX XXXXXXXXX XXXXXXXX XXXX XXX,XXX XXXXX, Final XXXX indicates borrower is staying in rent free home, however proof is not available - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Rent Free Letter - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX. XXXX XXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2151705 |  |  | Closed | 2026-03-26 05:00 | 2026-03-31 00:58 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXX XXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2155505 |  |  | Closed | 2026-03-28 07:04 | 2026-04-14 10:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated income worksheet with XXXX/XXXX - XXXXXX-XX/XX/XXXX <br>Open-Based on business narrative ownership in PMS is XX% and on income worksheet they have it at XX% this will cause the income for that job will be lower will need updated worksheet and XXXX or corrected narrative for the ownership. - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated income worksheet with XXXX/XXXX - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXX.XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155505 |  |  | Closed | 2026-03-26 04:58 | 2026-04-02 15:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-received cleared fraud report - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXXX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155505 |  |  | Closed | 2026-03-26 11:04 | 2026-04-02 12:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - XXXXXX-XX/XX/XXXX <br>Open-Audited LTV of XX% exceeds Guideline LTV of XX% Audited LTV Exceeds Guideline LTV, Calculated LTV is XX% and as per guidelines for rural property is XX% - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - XXXXXX-XX/XX/XXXX<br>| _XXXXX_ | XXXXXXXXX XXXXXXXX.XXX |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXX XXX XXX XX XXXXX. <br> XXXXXXXX XXX XXXXX XX XXXXXXX XXXXXXXX X XXXXX. <br>| XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 2155492 |  |  | Closed | 2026-03-26 03:35 | 2026-04-07 07:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Income worksheet provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income worksheet showing large deposits was omitted. - XXXXXX-XX/XX/XXXX <br>Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide updated Lender Worksheet as the one in file shows incorrect income qualification, Also need docs to support large deposit in the amount of XX,XXX - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Income worksheet showing large deposits was omitted. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2155492 |  |  | Closed | 2026-03-26 00:55 | 2026-04-01 00:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated fraud report provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-Provide Third Party report with uncleared alerts as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXXXXXX. XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2155492 |  |  | Closed | 2026-03-26 00:37 | 2026-03-30 13:06 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary Valuation with Cu scores as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2155492 |  |  | Closed | 2026-03-26 01:54 | 2026-03-28 09:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and Final Closing disclosure on Pg #XXX-XXX, XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XXX,XXX for the copy of the disclosure. This loan passes HPML guidelines and is a HPML compliant loan - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX #XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX #XXX-XXX, XXX-XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX #XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX #XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX #XXX,XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXXX XXXX XXXXXX XXXX XXXXXXXXXX XXX XX X XXXX XXXXXXXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2155498 |  |  | Closed | 2026-04-01 14:43 | 2026-04-08 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Attached XXXX shows the correct liabilities and DTI - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Open-XXXX Document is Missing XXXX needs to be updated showing correct liabilities and DTI (HOI is causing this) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXX XXXXX XXX XXXXXXX XXXXXXXXXXX XXX XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2155498 |  |  | Closed | 2026-03-26 05:01 | 2026-04-01 14:45 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Attached document shows all alerts are cleared - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-The fraud report in file (page # XXX) is showing X high and X low uncleared alerts. The required clear fraud report is missing from file.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX XXXXX XXX XXXXXX XXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2158645 |  |  | Closed | 2026-03-27 05:43 | 2026-04-01 00:31 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report with cleared alerts provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXX XXXXXXX XXXXXX XXXXXXXX. XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155485 |  |  | Closed | 2026-03-29 22:08 | 2026-04-06 05:03 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final title policy - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $X is Less than Loan Amount Title coverage is insufficient<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final title policy - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XXXXX XXXX XXXXXXX XXXXXXXX XXXXXX XXXX XXXXXX XXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX - XXXX-XX-XXXXXXXXX.XXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2155501 |  |  | Closed | 2026-03-27 11:23 | 2026-04-06 14:04 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated system with cleared fraud report provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Counter-document not uploaded - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Cleared Alerts - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Provide the fraud report. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Fraud report - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Ready for Review-Cleared Alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXX XXXX XXXXXXX XXXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXX XXX XXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158652 |  |  | Closed | 2026-04-14 07:00 | 2026-04-20 07:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Can you please confirm what fee variance you are referring to? - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Can you please confirm what fee variance you are referring to? - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158652 |  |  | Closed | 2026-03-30 20:57 | 2026-04-14 07:01 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached is the CD dated X/XX, from the LOS and doc generation/Destination details - Seller-XX/XX/XXXX <br>Counter- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Do not have a revised CD dated X/XX/XXXX in file. One in file is X/XX. Need updated COC or CD dated X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The Locked / Revised LE dated XX/XX/XX discloses a Lender Credit of $XXXX<br> The Initial CD dated X/X/XX discloses a Lender Credit of $XXXX.XX<br> The Revised CD dated X/XX/XX discloses Discount Points of $XXXX.XX >> COC Form attached which explains the Valid COC (XX-day extension)<br> The PCCD dated X/XX/XX discloses a Lender Credit of $XXX.XX > Due to increased fees post-consummation > Cure sent to borrower (check attached)<br> - Seller-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($XXX.XX). 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. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Provide COC for decrease in Lender Credit in Initial Closing Disclosure XX/XX/XXXX to $X. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Attached is the CD dated X/XX, from the LOS and doc generation/Destination details - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The Locked / Revised LE dated XX/XX/XX discloses a Lender Credit of $XXXX<br> The Initial CD dated X/X/XX discloses a Lender Credit of $XXXX.XX<br> The Revised CD dated X/XX/XX discloses Discount Points of $XXXX.XX >> COC Form attached which explains the Valid COC (XX-day extension)<br> The PCCD dated X/XX/XX discloses a Lender Credit of $XXX.XX > Due to increased fees post-consummation > Cure sent to borrower (check attached)<br> - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX.XXX_XXXXX_<br> XXXX XXXXX.XXX_XXXXX_<br> XXX-XXXXXXX.XXX_XXXXX_<br> XXXXXXX XX XXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158652 |  |  | Closed | 2026-03-30 21:01 | 2026-04-14 07:01 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <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: Escrow Account Servicing 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. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Provide COC for the fee 'TITLE – MISC FEE – ESCROW' added in PCCD Sec B or move the fee to Section C. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158652 |  |  | Closed | 2026-03-30 22:19 | 2026-04-02 00:33 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXX XXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2155660 |  |  | Closed | 2026-03-31 09:52 | 2026-04-06 08:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Flood Insurance Policy Partially Provided Flood Insurance policy number is missing in the provided flood insurance certificate. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXX - XX XXXXX XX.XXX_XXXXX_<br> XXXXX XXXXXXXXX XXXXXXX - XX XXXXX XXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2155489 |  |  | Closed | 2026-03-31 05:58 | 2026-04-13 04:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Updated Patriot Act Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Patriot Act Disc - Seller-XX/XX/XXXX <br>Open-Provide Borrower Citizenship Identification document. Patriot act disclosure form available in file reflecting DL expiration date XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Patriot Act Disc - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXX XXX XXXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155489 |  |  | Closed | 2026-03-31 05:17 | 2026-04-06 10:58 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan Estimate dated X/XX/XX discloses a Loan Amount of $XXX,XXX and a Lender Credit of $XXXX<br> Closing Disclosure dated X/XX/XX discloses a Loan Amount of $XXX,XXX and a Lender Credit of $XXXX.XX<br> - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). 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. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Provide COC for decrease in lender credits from LE $X,XXX to CD $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Loan Estimate dated X/XX/XX discloses a Loan Amount of $XXX,XXX and a Lender Credit of $XXXX<br> Closing Disclosure dated X/XX/XX discloses a Loan Amount of $XXX,XXX and a Lender Credit of $XXXX.XX<br> - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155489 |  |  | Closed | 2026-03-31 06:00 | 2026-04-01 15:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-received cleared fraud report - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX <br>Open-Fraud report reflecting uncleared alerts, per kind lending guidelines dated XX/XX//XXXX, required updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXXX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155490 |  |  | Closed | 2026-04-06 07:10 | 2026-04-06 07:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <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: Washington Foreclosure Prevention 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. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155490 |  |  | Closed | 2026-04-01 02:02 | 2026-04-06 07:11 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) WA Foreclosure Prevention fee disclosure is available on page #XX but foreclosure prevention fee of $XX is not being charged on any CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155490 |  |  | Closed | 2026-04-01 00:52 | 2026-04-03 07:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Document Uploaded. XXXX, borrower is technically living rent free - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX, borrower is technically living rent free - Seller-XX/XX/XXXX <br>Open-VOR/VOM Doc Status should not be 'Missing'. Per GL XX.XX.XXXX page #XX, XX-month housing history required for primary residence. Per the final XXXX, borrower is renting at their current address. Hence, provide VOR validating minimum XX months rent history as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX, borrower is technically living rent free - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX. XXXX, XXXXXXXX XX XXXXXXXXXXX XXXXXX XXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX_XXXXX_<br> XXXXXXXX XXX XXXX XXXXXXX.XXX_XXXXX_<br> XXXXXXXX XXXXXXX XX XXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155490 |  |  | Closed | 2026-04-01 00:37 | 2026-04-03 02:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Asset Utilization Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Asset Analyzer attached - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Per the final XXXX and XXXX, monthly income is $XX,XXX.XX. provide lender income calculation worksheet validating this income as the worksheet is currently not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Asset Analyzer attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155491 |  |  | Closed | 2026-03-31 01:51 | 2026-04-03 01:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Provide third party fraud report with cleared alerts. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXX XXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155504 |  |  | Closed | 2026-04-01 00:08 | 2026-04-03 06:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception approved for XX% LTV when property is Rural and GL is XX%. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Open-Audited LTV of XX% exceeds Guideline LTV of XX% Audited LTV of XX% exceeds Guideline LTV of XX%, Since property is in rural area as per guidelines LTV is not more XX%, however ever calculated ltv is XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX XXX XX% XXX XXXX XXXXXXXX XX XXXXX XXX XX XX XX%. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXX.XXX |  | X. XXXX XXXXXX XX XXXXXXXX. XXXXXXXX XXX XX XXXXXX XX XXXXXXXX XXX XX XX X XXXXXX. <br> X. XXXX XXXX XXXXX. XXXXXXXX'X XXXX XX XXX XXX XX XX XXX.<br> X. XXXX XXXXXXXX XXXXXX XX $XXX,XXX.XX. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes |
| XXXX | 2155504 |  |  | Closed | 2026-04-01 00:22 | 2026-04-03 01:13 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXX XXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2155495 |  |  | Closed | 2026-03-31 05:45 | 2026-04-07 08:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Using both attached documents they both show the same borrower, premium amount, policy # - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Invoice paid shows policy # and premium matches amount on dec page - Seller-XX/XX/XXXX <br>Counter-The attached document is not for the same term as the document on page XXX. Please provide the HOI for the same term/Loan # and lender - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Here is the previous policy showing the policy # - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Provide updated Hazard insurance as the provided one on page XXX policy number is missing . - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Invoice paid shows policy # and premium matches amount on dec page - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Here is the previous policy showing the policy # - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXX XXXXXXXX XXXXXXXXX XXXX XXXX XXXX XXX XXXX XXXXXXXX, XXXXXXX XXXXXX, XXXXXX # - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXX XXXXXXXXX XXXXXX - XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2155495 |  |  | Closed | 2026-04-01 10:44 | 2026-04-02 12:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX_XXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2155495 |  |  | Closed | 2026-03-31 05:21 | 2026-04-02 12:42 | Acknowledged | 2 - Non-Material B | Credit | Credit | Spousal Consent Missing | Acknowledged-client acknowledges spousal consent - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please review this condition to Acknowledge and Clear - Seller-XX/XX/XXXX <br>Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Provide spousal consent document as its missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Please review this condition to Acknowledge and Clear - Seller-XX/XX/XXXX<br>| XXXXXXXXXXXX-XXXXXX XXXXXXXXXXXX XXXXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | No |
| XXXX | 2155495 |  |  | Closed | 2026-03-31 05:35 | 2026-04-02 02:06 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX <br>Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than X.X; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX_XXXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2155488 |  |  | Closed | 2026-04-01 02:49 | 2026-04-03 01:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-The fraud report in file (page # XXX) is showing X high and X medium uncleared alerts. The required clear fraud report is missing from file.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXX XXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155507 |  |  | Closed | 2026-04-01 00:26 | 2026-04-08 12:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached detailed COC form disclosing the interest rate change, impacting the lender credit - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). 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. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Required COC as Lenders Credits has decreased from $X,XXX.XX to $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Attached detailed COC form disclosing the interest rate change, impacting the lender credit - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX X-XX-XX.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2155507 |  |  | Closed | 2026-03-31 22:36 | 2026-04-02 02:17 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title document with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Commitment - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide updated Title document/Title supplement as the one in file shows coverage amount as $XXX,XXX which is less than the loan amount of $XXX,XXX. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Commitment - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XXXXX XXXXXXXX XXXX XXXXXXX XXXXXXXX XXXXXX XXXX XXXXXX XXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2155507 |  |  | Closed | 2026-03-31 23:33 | 2026-04-02 02:14 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary Valuation report with CU scores as it is missing in the file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2158653 |  |  | Closed | 2026-04-21 15:20 | 2026-04-21 15:26 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-You submitted a Prior Closing Disclosure Received Date (XXXX-XX-XX) earlier than the Prior Closing Disclosure Date Issued (XXXX-XX-XX). The System cannot perform a Reg Z business day disclosure waiting period review without accurate dates. (XX CFR XXXX.XX(f); XXXX.XX; XXXX.XX(f); XXXX.XX(a)(X)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158653 |  |  | Closed | 2026-04-21 15:08 | 2026-04-21 15:21 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-You submitted a Last Closing Disclosure Received Date (XXXX-XX-XX) earlier than the Last Closing Disclosure Date Issued (XXXX-XX-XX). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (XX CFR XXXX.XX(f); XXXX.XX; XXXX.XX(f); XXXX.XX(a)(X)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158653 |  |  | Closed | 2026-04-02 12:00 | 2026-04-21 15:09 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated CD with attorney fee added in correct, box C. - Seller-XX/XX/XXXX <br>Counter-provide updated FINAL CD showing attorney fee of $XXX in Section C - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached is the detailed COC form, the attorney fee that was added was optional and not a requirement. The borrower chose to use a third-party attorney separate from the title company. - Seller-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <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: Attorney's Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Provide the COC for FINAL CD Date XX/XX/XXXX. Which is due to that Attorney's Fees $XXX Newly added. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated CD with attorney fee added in correct, box C. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached is the detailed COC form, the attorney fee that was added was optional and not a requirement. The borrower chose to use a third-party attorney separate from the title company. - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX X-XX-XX.XXX_XXXXX_<br> XXXX_XXXXXXXXXX_XXXXXXXXX_XXXX-XX-XXXXX_XX_XX.XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158653 |  |  | Closed | 2026-04-02 12:00 | 2026-04-21 14:53 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved-attached document shows loan # and updated LO - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. LO signed XXXX - Seller-XX/XX/XXXX <br>Counter-Attach the full XXXX signed by new Loan Originator - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. I've attached the updated XX findings in file with the new LO and there is a signed XXXX uploaded as well. Please advise anything else that is needed, thank you. - Seller-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The loan originator does not have a license in XX as of XXXX-XX-XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. LO signed XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. I've attached the updated XX findings in file with the new LO and there is a signed XXXX uploaded as well. Please advise anything else that is needed, thank you. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX XXXXX XXXX # XXX XXXXXXX XX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX (X).XXX_XXXXX_<br> XXXXXXX XX XXXXX.XXX_XXXXX_<br> XXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158653 |  |  | Closed | 2026-04-14 08:53 | 2026-04-14 09:01 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Attorney's Fees). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158653 |  |  | Closed | 2026-04-14 08:53 | 2026-04-14 09:01 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The total amount of the XX% category fees ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Attorney's Fees). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158653 |  |  | Closed | 2026-04-06 15:45 | 2026-04-08 11:36 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Attached doc shows how long borrower has been at current residence and value - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Open-XXXX - how long has Borrower been at current residence. What is the value of the XXXX XXXXXXXXX Rd Property? - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXX XXXXX XXX XXXX XXXXXXXX XXX XXXX XX XXXXXXX XXXXXXXXX XXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158653 |  |  | Closed | 2026-04-06 08:10 | 2026-04-08 04:46 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated third party fraud report provided. Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXX XXXXX XXXXXX XXXXXXXX. XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158659 |  |  | Closed | 2026-04-03 19:39 | 2026-04-15 07:30 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX XXX showing a low CU score - Seller-XX/XX/XXXX <br>Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Sorry about that. XXXX XXXXXXX XX, XXXXX, XX XXXXX-XXXX - Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The address listed in the condition is not an address the borrower listed - Seller-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX XXX showing a low CU score - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The address listed in the condition is not an address the borrower listed - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158657 |  |  | Closed | 2026-04-14 09:56 | 2026-04-15 13:50 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2158657 |  |  | Closed | 2026-04-02 05:47 | 2026-04-14 09:58 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PCCD attached - Seller-XX/XX/XXXX <br>Counter-Provide the PCCD as it was not located in the original file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The loan didn't fund until X/XX the day after midnight of X/XX when rescission was up. Interest was collected from X/XX as shown on PCCD in file - Seller-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) DOT has three vested individuals with different signing and expiration dates on the RTC in which the most recent expire date is X/XX/XXXX which should result in a disbursement of X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PCCD attached - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The loan didn't fund until X/XX the day after midnight of X/XX when rescission was up. Interest was collected from X/XX as shown on PCCD in file - Seller-XX/XX/XXXX<br>| XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXXXX.XXX_XXXXX_<br> XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2158657 |  |  | Closed | 2026-04-05 22:55 | 2026-04-09 02:57 | Resolved | 1 - Information B A | Credit | Credit | Missing non-subject rental income documentation | Resolved-Requested updated XXXX by removing rental income for the mentioned REO "XXX XXXXXXXXXX XX XXXXX XXXXXX XX XXXXX" for which we asked proof of rental income provided, provided PITIA of $XXX.XX added as negative cash flow & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX attached no rents being used on XXXX - Seller-XX/XX/XXXX <br>Open-Provide the proof of income/lease for Negative Rental income $XXX.XX for REO " XXX XXXXXXXXXX XX XXXXX XXXXXX XX XXXXX ".<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX attached no rents being used on XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XX XXXXXXXX XXXXXX XXXXXX XXX XXX XXXXXXXXX XXX "XXX XXXXXXXXX XX XXXXX XXXXX XX XXXXX" XXX XXXXX XX XXXXX XXXXX XX XXXXXX XXXXXX XXXXXXXX, XXXXXXXX XXXXX XX $XXX.XX XXXXX XX XXXXXXXX XXXX XXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2158657 |  |  | Closed | 2026-04-02 23:46 | 2026-04-08 16:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Clear fraud report provided, system updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Provide Third Party Fraud report as it is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXX XXXXXX XXXXXXXX, XXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2158657 |  |  | Closed | 2026-04-02 05:47 | 2026-04-14 14:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and Final Closing disclosure on Pg #XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX,XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(X)(X)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX #XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX #XXX-XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX #XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX #XXX,XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX #XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2158657 |  |  | Closed | 2026-04-02 05:47 | 2026-04-14 14:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) <br> This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and Final Closing disclosure on Pg #XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX,XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) <br> XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX #XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX #XXX-XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX #XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX #XXX,XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX #XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2155512 |  |  | Closed | 2026-04-03 00:37 | 2026-04-09 03:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Requested loan approval document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan Approval - Seller-XX/XX/XXXX <br>Open-Provide loan approval document as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Loan Approval - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155512 |  |  | Closed | 2026-04-03 01:51 | 2026-04-09 03:24 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X medium uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXX XXXXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155512 |  |  | Closed | 2026-04-03 02:06 | 2026-04-09 03:23 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Requested updated XXXX with updated HOA fee of $XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Open-HOA Fee difference exsits between validated HOA and documents Per appraisal , HOA fee is $XXX whereas lender considered HOA as $X,XXX.XX per XXXX document.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXX XXXXXXX XXX XXX XX $XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155512 |  |  | Closed | 2026-04-03 02:11 | 2026-04-09 03:21 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Requested updated XXXX with updated HOA fee provided hence HTI & DTI are matching, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Open-Audited HTI and DTI are XX.XX% and XX.XX% whereas lender HTI and DTI are XX.XX% and XX.X%X resulting in variances of X.XX% for both ratios.<br>This difference is occurred because lender considered HOA amount as $X,XXX.XX whereas per our review it is $XXX per appraisal.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXX XXXXXXX XXX XXX XXXXXXXX XXXXX XXX & XXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155512 |  |  | Closed | 2026-04-03 01:47 | 2026-04-09 03:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 5 Missing | Resolved-Requested EMD proof provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. EMD Receipt<br> - Seller-XX/XX/XXXX <br>Open-Provide proof of evidence to earnest money deposit in the amount of $XXX,XXX being received as it is not located in the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. EMD Receipt<br> - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155512 |  |  | Closed | 2026-04-03 02:34 | 2026-04-08 13:44 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-received initial CD - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial CD - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). 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. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) Initial closing disclosure(page #XXX) is issued on XX/XX/XXXX which is not X business days before the final closing disclosure (page #XXX) issued date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial CD - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX_XXXXXXX XX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2154546 |  |  | Closed | 2026-04-06 04:02 | 2026-04-14 06:07 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Updated Hazard Insurance policy with Rent loss uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide updated insurance document as the one in file doesn't indicate rent loss amount. The provided HOI policy states that Fair Rental Loss is "Included", however, it does not state an amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXX XXXXXXXXX XXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158648 |  |  | Closed | 2026-04-06 05:41 | 2026-04-20 03:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose Affidavit uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Business Purpose Affidavit attached - Seller-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide the final business purpose document - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Business Purpose Affidavit attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX (XXXX XXXX XXXX XXXX XX XXXX.) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155499 |  |  | Closed | 2026-04-06 00:54 | 2026-04-09 02:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Provide Third Party Fraud report document with uncleared alerts as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXX XXXXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2155499 |  |  | Closed | 2026-04-06 00:29 | 2026-04-08 04:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Guaranty agreement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial Provide Guaranty Agreement Document as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX_XXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2155502 |  |  | Closed | 2026-04-07 13:39 | 2026-04-13 08:54 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift wire - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Gift wire - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXX X XXXXX X/X XXXXXXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158664 |  |  | Closed | 2026-04-08 16:32 | 2026-04-13 15:56 | Resolved | 1 - Information C A | Credit | Credit | Deficient subject rental income documentation. | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated DSCR using rents off XXXX - Seller-XX/XX/XXXX <br>Open-GL section X.X.X.X states if using the higher monthly actual lease amount, evidence of X-months of receipt is required. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated DSCR using rents off XXXX - Seller-XX/XX/XXXX<br>| _XXXXX_ | XXXX XXXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158664 |  |  | Closed | 2026-04-08 07:47 | 2026-04-10 16:30 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Cleared fraud report provided and system updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXXXXXX XXX XXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2155493 |  |  | Closed | 2026-04-08 04:00 | 2026-04-13 05:02 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated Final XXXX & XXXX with corrected qualifying income uploaded, DTI matches the XXXX, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Updated Final XXXX & XXXX with corrected qualifying income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX.XXXX - Seller-XX/XX/XXXX <br>Open-As per final XXXX and as per calculation income derived is $XX,XXX.XX however as per XXXX its reflecting as $XX,XXX.XX, Also also For BX as per calculation derived Income is $$XX,XXX.XX.However as per XXXX its reflecting as $XXXXX, HOA fee is $XX on XXXX and $XXX/month on Appraisal. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX.XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXX & XXXX XXXX XXXXXXXXX XXXXXXXXXX XXXXXX XXXXXXXX, XXX XXXXXXX XXX XXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXX XXXX & XXXX XXXX XXXXXXXXX XXXXXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155511 |  |  | Closed | 2026-04-07 05:08 | 2026-04-10 06:26 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final statement from the borrowers Cashout Refi - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Provide proof of documentation for Secured Borrowed Funds $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final statement from the borrowers Cashout Refi - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXX X XXXXX X/X XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155511 |  |  | Closed | 2026-04-07 05:47 | 2026-04-10 06:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final statement from the borrowers Cashout Refi - Seller-XX/XX/XXXX <br>Open-Audited Reserves of month(s) are less than XXXXXXXXX Required Reserves of X month(s) Loan is Investment purchase, as per guidelines unable to meet reserve requirement - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final statement from the borrowers Cashout Refi - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXXX XX XX.XX XXXXX(X) XXX XXXXXXX XXXX XX XXXXX XX XXXXXXXXX XXXXXXXX XXXXXXXX XX X XXXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155511 |  |  | Closed | 2026-04-07 05:32 | 2026-04-09 07:14 | Resolved | 1 - Information C A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Final signed SS uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX <br>Open-Final HudX document is not signed by settlement agent - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXX_XXXXXX XXXXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158651 |  |  | Closed | 2026-04-08 04:54 | 2026-04-13 07:37 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested XXXX document provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide XXXX document as its missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158651 |  |  | Closed | 2026-04-08 05:48 | 2026-04-13 07:07 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Loan application asset section revised (subject is CO refi). - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX showing updated assets with Final SS showing funds to borrower for cashout - Seller-XX/XX/XXXX <br>Open-Provide wired proof or statements for the Other assets of $XXX,XXX and Proceed from Real estate of $XXX,XXX as per final XXXX page XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX showing updated assets with Final SS showing funds to borrower for cashout - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXXXXX XXXXX XXXXXXX XXXXXXX (XXXXXXX XX XX XXXX). - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XX.XXX_XXXXX_<br> XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158651 |  |  | Closed | 2026-04-08 06:00 | 2026-04-13 03:04 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Provide a fraud report with cleared alerts.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXX XXXXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158651 |  |  | Closed | 2026-04-08 06:39 | 2026-04-09 07:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception is on page XXX-XXX use month to month rental agreement with X month cash payment to support evidence of X months receipts of current rents, receipt of $X,XXX is on page XXX,XXX,XXX,XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXX XXXX XXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXXXXX XX XX XXXX XXX-XXX XXX XXXXX XX XXXXX XXXXXX XXXXXXXXX XXXX X XXXXX XXXX XXXXXXX XX XXXXXXX XXXXXXXX XX X XXXXXX XXXXXXXX XX XXXXXXX XXXXX, XXXXXXX XX $X,XXX XX XX XXXX XXX,XXX,XXX,XXX,XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX.<br> XXXX XXXXXXXX XXXXXXX XXX XX XXXXXX.<br> XXXXXXXX XXX XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX XX XXXXX. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 2155510 |  |  | Closed | 2026-04-09 05:44 | 2026-04-13 04:38 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. FTP - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount is $XXXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. FTP - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXX XXXXXX XXXXXXXX, XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X), XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX-XXXXX-XXX XXXX XXXX XXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155510 |  |  | Closed | 2026-04-09 06:08 | 2026-04-10 03:26 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested Secondary valuation Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide the Secondary Valuation or Additional Valuation (with acceptable variance to Primary) per guideline requirements and CU Score. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2155514 |  |  | Closed | 2026-04-09 05:05 | 2026-04-10 05:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Requested Signed Settlement statement Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Settlement Statement - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provide the final HUD-X Document with all parties signatures - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Settlement Statement - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXX XXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX_XXXXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158644 |  |  | Closed | 2026-04-10 04:56 | 2026-04-15 17:24 | Waived | 2 - Non-Material C B | Credit | Credit | Deficient Income Documentation | Waived-Exception is for co borrower just starting to draw her retirement income and does not have XX month history as required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Open-BX getting retirement income from last month, but as per GL XX.XX.XXXX page #XX require XX months history of withdrawal however exception granted as per XXXX UW comments but exception approval form is missing in loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XX XXX XX XXXXXXXX XXXX XXXXXXXX XX XXXX XXX XXXXXXXXXX XXXXXX XXX XXXX XXX XXXX XX XXXXX XXXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXX.XXX |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 2158644 |  |  | Closed | 2026-04-10 04:51 | 2026-04-15 17:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Received loan approval - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan Approval - Seller-XX/XX/XXXX <br>Open-One in file loan approval is missing. Provide the loan approval document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Loan Approval - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXX.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158655 |  |  | Closed | 2026-04-10 04:04 | 2026-04-16 08:45 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Requested Updated XXXX with updated other assets & proof for the same provided in findings, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Assets updated on XXXX and XXXX exchange docs attached to support other assets - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements We have Proceeds from Sale Funds for borrower amount $XXX,XXX as per the final XXXX but proof of document is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Assets updated on XXXX and XXXX exchange docs attached to support other assets - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXX XXXXXXX XXXXX XXXXXX & XXXXX XXX XXX XXXX XXXXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXX X XXXXX X/X XXXXXXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX_XXXXX_<br> XXXX XXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158655 |  |  | Closed | 2026-04-10 04:56 | 2026-04-15 09:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-XXXX attached shows corrections - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Provide the updated FINAL XXXX with Closing date of XX/XX/XXXX. & Loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX XXXXX XXXXXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158655 |  |  | Closed | 2026-04-10 04:22 | 2026-04-15 05:53 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested updated XXXX with updated loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide the updated XXXX with loan amount of $XXX,XXX. As per the Note document loan amount is $XXX,XXX but XXXX document loan amount showing as $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXX XXXXXXX XXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158655 |  |  | Closed | 2026-04-10 05:01 | 2026-04-15 05:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXX XXXXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158655 |  |  | Closed | 2026-04-10 03:47 | 2026-04-14 00:42 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-CU (Fannie SSR) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. SSR - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. SSR - Seller-XX/XX/XXXX<br>| XXXXXXXX-XX (XXXXXX XXX) XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2161439 |  |  | Closed | 2026-04-14 12:15 | 2026-04-20 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Document provided with sufficient "Fair Rental Value." Confirmed resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Rent Loss Insurance is missing from the Policy. "Loss of Use" does not cover doesn't cover lost rent. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX XXXX XXXXXXXXXX "XXXX XXXXXX XXXXX." XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX - XXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2161437 |  |  | Closed | 2026-04-13 23:58 | 2026-04-24 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-lender provided XXXX with corrected Appraisal value. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Final XXXX provided however appraised value does not match appraised value of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide XXXX document as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXX XXXX XXXXXXXXX XXXXXXXXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX_XXXXX_<br> XXXXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2161437 |  |  | Closed | 2026-04-14 11:10 | 2026-04-20 10:40 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Lender provided updated business entity search - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Please provide Confirmation of good standing must be dated within twelve months of the application submission date (print out on page #XXX is not dated when it was printed therefore unable to determine if it meets guidelines or not) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXXXXXX XXXXXX XXXXXX - XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXXXXXXXXXXX - XXX XXXX XXXXXX XXXXXXXX XX, XXX.XXX_XXXXX_<br> XXXX - XXX XXXX XXXXXX XXXXXXXX XX, XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2161437 |  |  | Closed | 2026-04-14 12:42 | 2026-04-20 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Lease agreement provided on page #XXX shows rent amount of $XXXX and Rent Survey XXXX on page #XX shows market rent of $XXXX - Lender used $XXXX for DSCR calc and per guidelines X months receipt of rent is required to use the lease agreement since it's higher then the market rent - please note additional conditions may apply once documents are received. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2161437 |  |  | Closed | 2026-04-14 10:56 | 2026-04-20 10:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Final HUD provided with signature of borrowers - finding resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of April X, XXXX, the borrower executed the package on April X, XXXX. This is standard practice in dry-state closings, including XXXXXXX. The document dates often reflect the lender's preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower's actual execution date (April X, XXXX) Completed without any backdating Executed within the lender's allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on April X, XXXX per the final settlement statement which is allowable in the state of XXXXXXX (dry state). Settlement Agent Signature at the Top of Page X and borrower signatures at bottom of page X - Seller-XX/XX/XXXX <br>Open-Closing statement provided on pages #X-X is not signed/dated by the borrower or the title company, also the closing/funding date per the closing statement is X/X/XX and note is dated X/X/XX and all closing documents were signed/dated and notarized on X/X/XX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Closing Doc is Missing. Closing statement provided on pages #X-X is not signed/dated by the borrower or the title company. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of April X, XXXX, the borrower executed the package on April X, XXXX. This is standard practice in dry-state closings, including XXXXXXX. The document dates often reflect the lender's preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower's actual execution date (April X, XXXX) Completed without any backdating Executed within the lender's allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on April X, XXXX per the final settlement statement which is allowable in the state of XXXXXXX (dry state). Settlement Agent Signature at the Top of Page X and borrower signatures at bottom of page X - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX XXXXXXXX XXXX XXXXXXXXX XX XXXXXXXXX - XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXX - XXXXXX XX XXXXXXXX XXX XXXXXXXXXX XXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2161437 |  |  | Closed | 2026-04-14 01:44 | 2026-04-20 04:26 | Resolved | 1 - Information C A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-DSCR is calculated as Rent $X,XXX/ PITIA $X,XXX.XX = X.XXX. Provide lender DSCR worksheet to determine if there is any variation in lender calculation as lender worksheet is not included in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXX XXXXXXXXXXX XXXXXXXXX XXXXX XXXXXXX XXXXXXXXXX XXX XXXXXXXXXX XXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2155661 |  |  | Closed | 2026-04-13 01:57 | 2026-04-15 00:21 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Requested X months rent Receipts to use higher Rents value, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines The DSCR difference is more than .XX which does not fall within the acceptable tolerance range. Originator DSCR of X.XXX based on Rent $X,XXX/PITI $X,XXX.XX. Calculated DSCR of X.XXX based on Rent $X,XXX/PITI $X,XXX.XX. Missing proof of X months rents paid. Provide receipt of X months rent paid to meet guidelines requirements of X months rent to use higher market rents for DSCR calculations. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX X XXXXXX XXXX XXXXXXXX XX XXX XXXXXX XXXXX XXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX&XXXXXXXXXXXX-XXXX-XXXXX-XXXX.XXX_XXXXX_<br> XXXXX XXXX XXX XXXX XXXXXXXX-XXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXX XX XXXXXXXXXXXX - XXXXXXXXX - XXXX XXXXX XXXX.XXX_XXXXX_<br> XXXXX XXXX XXX XXXX XXXXXXXX-XXXXXX XXXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXXX (XXXXX XXXX).XXX - XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2161440 |  |  | Closed | 2026-04-15 10:10 | 2026-04-20 07:08 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided Secretary of State search for the business entity - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Please provide Confirmation of good standing must be dated within twelve months of the application submission date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXXX XX XXXXX XXXXXX XXX XXX XXXXXXXX XXXXXX - XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXX XX XXXX XXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2155663 |  |  | Closed | 2026-04-13 23:31 | 2026-04-14 10:09 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXXXXXX XXXXXXX XXXXXXXX, XXX XXXXXXXXXX XXXXXXXXX XXX XXXX XXXXXXX XXX XXXXX XXXXXX XX X XXXXXXXXXXX. XXXXXXXXX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX XX XXXXXXXXX XX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 2158667 |  |  | Closed | 2026-04-20 02:00 | 2026-04-23 06:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception is for allowing a first time investor - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Subject is qualified with Short Term Rentals - not meeting the GL requirement. Asper Matrix dated X/XX/XXXX 'No first-time investors' are allowed - subject borrower is First Time Investor. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XX XXX XXXXXXXX X XXXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXX.XXX |  | X. XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX.<br> X. $XXX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $XX,XXX XXXXXXX XXX XXXXXXX XX X XXXXXX XXXX XXX XXXXXXXX XXXXXXX. | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 2158667 |  |  | Closed | 2026-04-20 01:44 | 2026-04-23 06:56 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-Exception is for DSCR not meeting X.XX guideline requirement for STR - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Open-DSCR Does Not Meet Guideline Requirement, Subject is Condotel min X.XX DSCR. Subject DSCR calculates as follow Short Term rent $XXXX.XX / PITIA of $XXXX.XX = X.XXX DSCR not meeting the Guideline Requirement of X.XX DSCR. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XX XXX XXXX XXX XXXXXXX X.XX XXXXXXXXX XXXXXXXXXXX XXX XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXX.XXX |  | X. XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX.<br> X. $XXX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $XX,XXX XXXXXXX XXX XXXXXXX XX X XXXXXX XXXX XXX XXXXXXXX XXXXXXX. | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 2158667 |  |  | Closed | 2026-04-20 01:41 | 2026-04-21 18:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report Partially Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX <br>Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158667 |  |  | Closed | 2026-04-20 01:52 | 2026-04-21 18:01 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Exception is for the Market Grade being below XX with grade at XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Open-Market score by zip code is not meeting the guideline requirements, Subject is qualified using Short Term Rental which requires minimum Market grade XX, but subject is graded at XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XX XXX XXX XXXXXX XXXXX XXXXX XXXXX XX XXXX XXXXX XX XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXX.XXX |  | X. XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX.<br> X. $XXX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $XX,XXX XXXXXXX XXX XXXXXXX XX X XXXXXX XXXX XXX XXXXXXXX XXXXXXX. | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 2158667 |  |  | Closed | 2026-04-20 01:58 | 2026-04-21 18:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Exception is for subject being log construction - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Open-Subject is Log Construction, asper XXXX XXXX XX XXXXXX dated X/XX/XXXX, Pg: XX 'Log facade homes and true log homes' are ineligible. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XX XXX XXXXXXX XXXXX XXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXX.XXX |  | X. XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX.<br> X. $XXX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $XX,XXX XXXXXXX XXX XXXXXXX XX X XXXXXX XXXX XXX XXXXXXXX XXXXXXX. | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 2158667 |  |  | Closed | 2026-04-17 08:06 | 2026-04-21 07:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Settlement Statement - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Missing executed final hud one in file is not signed - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Settlement Statement - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX_XXXXXX XXXXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158273 |  |  | Closed | 2026-04-16 06:08 | 2026-04-21 11:36 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received e-mail from title company with the coverage amount for the policy - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX is Less than Loan Amount $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X-XXXX XXXX XXXXX XXXXXXX XXXX XXX XXXXXXXX XXXXXX XXX XXX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXX XXXXXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158273 |  |  | Closed | 2026-04-16 06:31 | 2026-04-20 07:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception is for LTV exceeding guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited LTV Exceeds Guideline LTV Per Qualifying FICO XXX GL allows max LTV is XX%, however audited LTV XX.XXX% is Exceeds Guideline LTV XX% - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XX XXX XXX XXXXXXXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXX XXXXXXXXX XXX.XXX |  | $XX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $XX,XXX XXXXXXX XXX XXXXXXX XX X XXXXXX XXXX XXX XXXXXXXX XXXXXXX.<br> XXXX XXXXX XX X.XX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X.XX XX X.XX XXXXXX. | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 2158273 |  |  | Closed | 2026-04-17 12:23 | 2026-04-20 07:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception is for borrower being first time investor - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Based on guidelines first time investor may be eligible on a case by case basis - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XX XXX XXXXXXXX XXXXX XXXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXX XXXXXXXXX XXX.XXX |  | $XX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $XX,XXX XXXXXXX XXX XXXXXXX XX X XXXXXX XXXX XXX XXXXXXXX XXXXXXX.<br> XXXX XXXXX XX X.XX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X.XX XX X.XX XXXXXX. | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 2158273 |  |  | Closed | 2026-04-16 07:10 | 2026-04-17 14:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received signed XXXX borrower was in lease with subject property - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see LOE re OO property being lease to own - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Counter-Section X of the XXXX is missing Also if borrower is renting need section X updated shows as owning - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Final XXXX is Missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see LOE re OO property being lease to own - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXX XXXX XXXXXXXX XXX XX XXXXX XXXX XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX_XXXXX_<br> XXXX.XXX_XXXXX_<br> XXX XXXXX XX XXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158273 |  |  | Closed | 2026-04-16 05:55 | 2026-04-17 12:21 | Resolved | 1 - Information A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Received XX month housing history updated credit page. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Housing History Does Not Meet Guideline Requirements , - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Borrower living in own primary house from past X years, However No proof of Housing history provided, required VOM/LOX for Free and clear to meet GL requirement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XX XXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXXXXXX XXXXXXX XXXX XXX XXXX XXXXXXXXX XXXXXXXXXXXX , - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158660 |  |  | Closed | 2026-04-16 00:02 | 2026-04-20 03:07 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts The fraud report in file (page # XXX) is showing X high uncleared alert. The required clear fraud report is missing from file.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXX XXXXXXX XXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXXXX XXXXXX XXXX XXXX XXXXXXX XX XXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158660 |  |  | Closed | 2026-04-15 23:52 | 2026-04-17 04:16 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested Secondary Valuation provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary Valuation report with CU scores as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158660 |  |  | Closed | 2026-04-16 00:33 | 2026-04-16 00:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and Final Closing disclosure on Pg #XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX #XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX #XXX-XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX #XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX #XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX #XX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158665 |  |  | Closed | 2026-04-16 05:43 | 2026-04-21 07:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 4 Missing | Resolved-Received copy of wire for gift funds updated asset page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift Funds - Seller-XX/XX/XXXX <br>Open-Missing the wire for gift funds in the amount of X,XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Gift Funds - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXX XX XXXX XXX XXXX XXXXX XXXXXXX XXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158665 |  |  | Closed | 2026-04-14 00:13 | 2026-04-21 07:10 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. HOI - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Provide updated Hazard Insurance document as the Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. HOI - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XX XX XXXXX XX XXX XXXX XXXX XX XX-XX-XXXX XX XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158665 |  |  | Closed | 2026-04-14 00:11 | 2026-04-16 17:54 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary Valuation document with CU scores as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158665 |  |  | Closed | 2026-04-14 00:58 | 2026-04-16 05:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and Final Closing disclosure on Pg #XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. This loan is HPML compliant and meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX #XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX #XXX-XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX #XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX #XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX #XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXXX XXXX XX XXXX XXXXXXXXX XXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158662 |  |  | Closed | 2026-04-20 10:25 | 2026-04-22 06:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Audited CLTV of XX.XX% is less than or equal to Guideline CLTV of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per guidelines If using the market rents nothing further is needed. If the Lease was higher then we would need supporting documents. This should be okay as is. - Seller-XX/XX/XXXX <br>Open-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% Lender used XXXX market rent (page XX) to qualify DSCR ratio. Form XXXX and LOE in file from Borrower (page XXX) states the actual rent is $X,XXX. This amount was used to qualify the DSCR ratio of X.XX ($X,XXX / X,XXX.XX) - The maximum LTV allowed for a condo is XX.XX% - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Per guidelines If using the market rents nothing further is needed. If the Lease was higher then we would need supporting documents. This should be okay as is. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XX XX.XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158662 |  |  | Closed | 2026-04-20 10:25 | 2026-04-22 06:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of XX.XX% is less than or equal to Guideline HCLTV of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per guidelines If using the market rents nothing further is needed. If the Lease was higher then we would need supporting documents. This should be okay as is. - Seller-XX/XX/XXXX <br>Open-Audited HLTV of XX.XX% exceeds Guideline HCLTV of XX% - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Per guidelines If using the market rents nothing further is needed. If the Lease was higher then we would need supporting documents. This should be okay as is. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XX XX.XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXXXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158662 |  |  | Closed | 2026-04-20 10:25 | 2026-04-22 06:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of XX.XX% is less than or equal to Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per guidelines If using the market rents nothing further is needed. If the Lease was higher then we would need supporting documents. This should be okay as is. - Seller-XX/XX/XXXX <br>Open-Audited LTV of XX.XX% exceeds Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Per guidelines If using the market rents nothing further is needed. If the Lease was higher then we would need supporting documents. This should be okay as is. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXX XX XX.XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX XXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158662 |  |  | Closed | 2026-04-16 05:26 | 2026-04-22 04:18 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158662 |  |  | Closed | 2026-04-16 06:11 | 2026-04-21 03:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Requested Settlement statement Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Signed HUD - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provide the Final HUDX document with settlement agent signature - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Signed HUD - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX- XXXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2158298 |  |  | Closed | 2026-04-20 08:51 | 2026-04-23 03:24 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Application uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The application is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXX - XXX XXXXXXXX XX #XXXX (X).XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2158299 |  |  | Closed | 2026-04-21 00:11 | 2026-04-27 06:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. it appears we over-estimated the annual taxes for this loan. Current taxes are around $XXX/mo, which only improves our DSCR. Attached tax bill from county site. - Seller-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax As per settlement statement and FPL monthly property tax is $XXX which is not matching with provided tax certificate. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. it appears we over-estimated the annual taxes for this loan. Current taxes are around $XXX/mo, which only improves our DSCR. Attached tax bill from county site. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XX XXXXXXXX XXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX-XXXXXX-XXXX-XXXXXX-XXXXXXXXXXXXXXXXXX-XXXX-XXXXXX-XXXX.XXX |  | XX XXX XXXXXXXXXX XXXXXXXXX XXX XXX XXXXXXX XXXXXXXX XXX XX $XXX XXXXX XX XXX XXXXXXXX XXXX XXXXXXXX XXX XXXXXXXXXXX. | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2161438 |  |  | Closed | 2026-04-19 23:18 | 2026-04-23 14:21 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Updated HOI policy showing actual Loss of Rents. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide updated hazard insurance document as the one in file shows loss of rents as Actual Loss/occurrence, but did not indicate any amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXX XXXXXX XXXXXXX XXXXXX XXXX XX XXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2161438 |  |  | Closed | 2026-04-19 22:36 | 2026-04-23 14:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete The DOT provided is dated X/XX/XX; however, the Note is dated X/XX/XX. Provide correct DOT to match Note Date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXX (X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2161481 |  |  | Closed | 2026-04-22 02:21 | 2026-05-01 08:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exceptions provided showing approval for loan amount. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Screenshot shows an exception for a loan amount of $XX,XXX. The audited loan amount went down to $XX,XXX. Need approval exception for that amount. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX% LTV is below the maximum XX% LTV by X%.<br> XXX Representative credit score exceeds the minimum required of XXX by XX points<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Audited Loan Amount is XX,XXX which is less than XXXXXXXXXX loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXXX XXXXXXXX XXXXXXX XXXXXXXX XXX XXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX |  | XXXXXX XXXXX XXX. XXXXX XXX XX XX%. XXXX XXX XXXX XXXX XX XXX. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | Yes |
| XXXX | 2161487 |  |  | Closed | 2026-04-24 03:13 | 2026-05-05 14:44 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-The email received indicated the investor acknowledges the XX PPP. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Within XXXXXXXXXX/Approval - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXXXXXX-XXX XXXXX XXXXXXXX XXXXXXXXX XXX XXXXXXXX XXXXXXXXXXXX XXX XX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXXX/XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XX XXX.XXX |  | XXXXXX XXXXXXXXXX/XXXXXXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 2161489 |  |  | Closed | 2026-04-28 00:11 | 2026-05-05 10:58 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-The email received from investor indicated the acknowledgement of the XX PPP. Acknowledged - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Within XXXXXXXXXX/Approval - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Within XXXXXXXXXX/Approval - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. BPL prepayment penalties are only allowed for loans signed by a corporation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXXXXXX-XXX XXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXXXXXXXX XX XXX XX XXX. XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXXX/XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XX XXX.XXX |  | XXXXXX XXXXXXXXXX/XXXXXXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 2161483 |  |  | Closed | 2026-04-24 05:07 | 2026-04-29 10:50 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Client acknowledges - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXX XXXXXXX XXXXXXX XXXXXXXX, XXX XXXXXXXXXX XXXXXXXXX XXX XXXX XXXXXXX XXX XXXXX XXXXXX XX X XXXXXXXXXXX. XXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 2161484 |  |  | Closed | 2026-05-05 10:40 | 2026-05-05 12:13 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Application received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The application is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXXXXX XXXX XXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2161484 |  |  | Closed | 2026-04-30 00:14 | 2026-05-05 10:41 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX acknowledged - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX XX XXXXXXXXX XX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 2161485 |  |  | Closed | 2026-05-05 11:17 | 2026-05-05 12:14 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Application received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The application is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXXXXX XXXX XXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 2161485 |  |  | Closed | 2026-04-30 04:27 | 2026-05-05 11:18 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXXXXXX-XXXXXXXXX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX XX XXXXXXXXX XX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 2161486 |  |  | Closed | 2026-05-05 09:26 | 2026-05-05 12:11 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Application received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-The application is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXXXXX XXXX XXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 2161486 |  |  | Closed | 2026-04-29 07:30 | 2026-05-05 09:28 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX Acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | <br> _xXXXD_ | XXXXXXXXXXXX-XXXXXXXXX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX XX XXXXXXXXX XX XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXX | 2163608 |  |  | Closed | 2026-05-01 04:27 | 2026-05-05 06:04 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is received refer to findings on document, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. This loan is HPML compliant and meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is received refer to findings on document, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. This loan is HPML compliant and meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is received refer to findings on document, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. This loan is HPML compliant and meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-We acknowledge that this file is HPML. The file includes impounds and the appraisal was delivered more than X days prior to consummation.<br> Thank you - XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-We acknowledge that this file is HPML. The file includes impounds and the appraisal was delivered more than X days prior to consummation.<br> Thank you - XXXXXX-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.X%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XXXXXXXX XXXXX XX XXXXXXXX XX XXXXXXXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXXX XXXX XX XXXX XXXXXXXXX XXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2163608 |  |  | Closed | 2026-05-01 07:10 | 2026-05-05 06:02 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Received Escrow disclosure updated disclosure page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXD_<br> Counter-Nothing was attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Please find attached the Initial Escrow Account Disclosure. <br> Thank you - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Escrow disclosure is missing from the file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX XXXXXX XXXXXXXXXX XXXXXXX XXXXXXXXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXX - XXXXXXX XXXXXX XXXXXXX XXXXXXXXXX (XXXXXX).XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 2163608 |  |  | Closed | 2026-05-01 03:09 | 2026-05-01 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Missing Flood Certificate Flood Certificate is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXX XXXXXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |

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## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 3**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary 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** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2018534 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2098700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2126853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2124101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2137681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 43.4 | 43.4 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2137687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2137707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2137690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2137696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2137684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.9 | 64.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2140111 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 74.86 | 74.86 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate RIsk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2143061 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140017 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 41.82 | 41.82 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2158649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 45.26 | 45.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2143987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2140083 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2147747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0195 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0195 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2147748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.11 | 29.11 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2158656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.4 | XXXX |
| 2151698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.16 | 62.16 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2151892 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2151705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2155505 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2155492 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2155498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2158645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2155485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.13 | 28.13 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2155501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2158652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.11 | 36.11 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155489 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| 2155490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 72.65 | 72.65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155491 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2155504 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 76.5 | 76.5 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 2155488 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2155507 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 45.42 | 45.42 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 2155659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 72.58 | 72.58 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2158659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.35 | 34.35 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2158657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2155512 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.5 | XXXX |
| 2154546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| 2158648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.46 | 78.46 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.9 | XXXX |
| 2158230 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| 2158664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2155493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.8 | XXXX |
| 2155511 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.4 | XXXX |
| 2158651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.57 | 55.57 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 2155514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2155486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2158644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.86 | 42.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2158655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.62 | 66.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| 2161439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2161437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.44 | 58.44 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.31 | 64.31 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX | .0305 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.8 | 69.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2161440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0340 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0340 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 69.33 | 69.33 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate RIsk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2155662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0222 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0222 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 74.63 | 74.63 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |
| 2158660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 2158666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2158665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 2158662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 73.53 | 73.53 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2158661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate RIsk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.7 | 71.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| 2158668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| 2158298 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0145 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2158299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 74.2 | 74.2 | XXXX | XXXX | -.0076 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0076 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2161438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2161481 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Grade A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2161488 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0080 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0080 | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2161487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0273 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Not provided | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2161489 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0178 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0178 | 88.0 | 0.12 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Not provided | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2161483 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1534 | 84.0 | 0.16 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Grade A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2161482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | -.0692 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0692 | 99.0 | 0.01 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2163606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2161490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0400 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2163607 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.93 | 84.93 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2161484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0123 | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2161485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2161486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0077 | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| 2163608 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 | Rating Agency Multi-Property Valuation Report v9.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property 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** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Completion Report (1004D) Date** |
| **XXXX** |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **XXXX** |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **XXXX** |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **XXXX** |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **XXXX** |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **XXXX** |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **XXXX** |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **XXXX** |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **XXXX** |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **XXXX** |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **XXXX** |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **XXXX** |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **XXXX** |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
| XXXX | 2018534 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 659 | 659 | 637 | 674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1761 | Taxes and Insurance | 22.35 | 45777.3 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 1783.64 | 1783.64 | 264.35 | 2047.99 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 45777.3 | .00 | 2 | 0 | 407 | 0 | 0 | 4.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2098700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 779 | 779 | 772 | 793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2090 | Taxes and Insurance | 602.37 | 1002369.23 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 1345.25 | 1345.25 | 318.81 | 1664.04 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 6282.00 | 2 | 10949 | 350 | 3 | 0.31070664538694015 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2126853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 791 | 791 | 780 | 791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 795 | 801 | 784 | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 786 | 786 | 786 | 784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 796 | 772 | 820 | 796 | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Investment | Refinance | Cash Out - Other | 25.58 | 44.32 | 6419.92 | 8129.00 | 11991.59 | 7700.00 | 34240.51 | Employed | Employed | Employed | Employed | 3.89 | 24.99 | 2.27 | 24.96 | 2 YRS | 19063.53 | 15176.98 | Taxes and Insurance | 49.61 | 241850.92 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | 3983.25 | 3983.25 | 891.42 | 4874.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 4 | 166601.58 | 4199.44 | 4 | 35000 | 252 | 11 | 0.18435982771406964 | 6.00 | No | XXXX | Manual Underwriting | 0 | 7.868 | No | No | XXXX | XXXX | No |
| XXXX | 2124101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 801 | 802 | 792 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 35 | Taxes and Insurance | 50.1 | 33929.84 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 562.11 | 562.11 | 115.14 | 677.25 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 4794.00 | 3 | 20000 | 318 | 2 | 0.003384615384615385 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 641 | 641 | 655 | 593 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6694 | Taxes and Insurance | 98.51 | 104871.95 | XXXX | XXXX | 43.4 | 43.4 | 43.4 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 833.83 | 833.83 | 230.79 | 1064.62 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 104871.95 | 3336.05 | 4 | 12142 | 103 | 7 | 0.5425496688741722 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 759 | 740 | 759 | 768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 744 | 734 | 781 | 744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | ID | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 7.78 | 33.89 | 16714.00 | .00 | .00 | .00 | 16714.00 | Employed | Not Employed |  |  | 5.5 | 5.5 |  |  | NA | 11049.07 | 5664.93 | No Escrow | 121.51 | 282534.59 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 2033.14 | 2033.14 | 0 | 2325.22 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 282534.59 | 350.00 | 1 | 149244 | 291 | 7 | 0.2233786231884058 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 682 | 682 | 682 | 652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1927 | No Escrow | 86.3 | 166855.87 | XXXX | XXXX | 60.0 | 60.0 | 60.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 1259.79 | 1259.79 | 0 | 1933.44 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 166855.87 | 4478.38 | 2 | 56873 | 516 | 10 | 0.36998758106802815 | 12 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  |  | XXXX | 655 | 678 | 655 | 630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 171 | Taxes and Insurance | 22.57 | 63598.67 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8.0 | 2362.72 | 2362.72 | 455.04 | 2817.76 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 63598.67 | 9162.50 | 1 | 8000 | 153 | 3 | 0.8197752808988764 | 2 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 647 | 625 | 647 | 658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4820 | No Escrow | 13.33 | 39229.92 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 2324.89 | 2324.89 | 0 | 2942.87 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 323524.78 | 2003.55 | 2 | 57343 | 345 | 20 | 0.4234900212553844 | 18 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 718 | 712 | 730 | 718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | KY | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1059.49 | Taxes and Insurance | 37.36 | 51029.74 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8.0 | 1150.54 | 1150.54 | 215.45 | 1365.99 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 1843.97 | 1 | 28008 | 304 | 14 | 0.004736164736164736 | 5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2137684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 641 | 644 | 560 | 641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2345 | No Escrow | 25.17 | 101325.89 | XXXX | XXXX | 64.9 | 64.9 | 64.9 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.875 | 8.875 | 3431.67 | 3431.67 | 0 | 4025.83 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 101325.89 | 8927.36 | 2 | 42666 | 466 | 8 | 0.670958904109589 | 6.92 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140111 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 786 | 803 | 786 | 786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | HI | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 8320 | Taxes and Insurance | 6.26 | 40295.04 | XXXX | XXXX | 74.86 | 74.86 | 74.86 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 5826.77 | 5826.77 | 606.06 | 6436.73 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | D | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 292.74 | .00 | 5 | 211020 | 129 | 2 | 0.004666666666666667 | 8 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 780 | 796 | 731 | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5853 | Taxes and Insurance | 479.56 | 664845.93 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.875 | 5.875 | 1045.84 | 1045.84 | 340.53 | 1386.36 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 3978.00 | 3 | 40852 | 249 | 8 | 0.0021857142857142856 | 8 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2143061 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 780 | 796 | 731 | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5853 | Taxes and Insurance | 546.97 | 654697.63 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.875 | 5.875 | 922.8 | 922.8 | 191.96 | 1114.75 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 3510.00 | 3 | 40852 | 248 | 8 | 0.0021857142857142856 | 8 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2140017 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 780 | 796 | 731 | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5853 | Taxes and Insurance | 469.78 | 635820.71 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.875 | 5.875 | 1153.5 | 1153.5 | 199.94 | 1353.44 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 4387.50 | 3 | 40852 | 248 | 8 | 0.0021857142857142856 | 8 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2140110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | No |  | XXXX | 649 | 649 | 667 | 638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2815 | Taxes and Insurance | 79.99 | 202632.52 | XXXX | XXXX | 41.82 | 41.82 | 41.82 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 1588.55 | 1588.55 | 830 | 2533.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 202632.52 | 8626.80 | 1 | 57028 | 39 | 6 | 0.02924731182795699 | 4 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2158649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 717 | 769 | 717 | 695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1903 | Taxes and Insurance | 75.12 | 198962.32 | XXXX | XXXX | 45.26 | 45.26 | 45.26 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 1412.4 | 1412.4 | 1236.02 | 2648.42 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 198962.32 | 1810.05 | 5 | 31300 | 402 | 5 | 0.4910515873015873 | 16.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2143987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 641 | 641 | 607 | 655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3721 | No Escrow | 10.7 | 14139.14 | XXXX | XXXX | 60.0 | 60.0 | 60.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.625 | 8.625 | 1120.02 | 1120.02 | 0 | 1321.98 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 14139.14 | 4044.36 | 2 | 34012 | 174 | 14 | 0.7042680412371134 | 13 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2140083 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 765 | 799 | 765 | 727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 715 | 716 | 715 | 693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 11440 | Taxes and Insurance | 38.76 | 46085.42 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 955.89 | 955.89 | 234.99 | 1188.96 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | 5743.00 | 2 | 24200 | 183 | 2 | 0.7317031275765404 | 4 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2158650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 751 | 766 | 718 | 751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 634 | 607 | 634 | 649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 36.37 | 49.17 | 6066.67 | 3475.88 | .00 | .00 | 9542.55 | Employed | Employed |  |  | 2.75 | 36.75 |  |  | 2 YRS | 4850.29 | 4692.26 | Taxes and Insurance | 3.31 | 11485.1 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.625 | 8.625 | 2613.37 | 2613.37 | 857.54 | 3470.91 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Retail |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0.0 | 12208.56 | 1 | 18000 | 112 | 12 | 0.19230027843221245 | 0.5 | No | XXXX | Manual Underwriting | 12208.56 | 9.083 | Yes | No | XXXX | XXXX | No |
| XXXX | 2147747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 780 | 796 | 731 | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2217 | Taxes and Insurance | 589.82 | 661641.54 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 5.75 | 5.75 | 897.24 | 897.24 | 224.52 | 1121.76 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 4612.50 | 2 | 50000 | 249 | 15 | 0.000595170734365242 | 8.00 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2147748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 785 | 785 | 776 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 130 | Taxes and Insurance | 21.35 | 27627.26 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.125 | 6.125 | 843.06 | 843.06 | 450.92 | 1293.98 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 27627.26 | 1387.50 | 5 | 15000 | 247 | 9 | 0.1651986531986532 | 3.92 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2155494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 779 | 779 | 795 | 745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 36.08 | 36.61 | 3787.95 | .00 | .00 | .00 | 3787.95 | Employed |  |  |  | 3.92 |  |  |  | NA | 2401.19 | 1386.76 | No Escrow | 54.78 | 82368.33 | XXXX | XXXX | 29.11 | 29.11 | 29.11 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.625 | 6.625 | 736.36 | 736.36 | 192.67 | 1366.76 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 2670.45 | 1 | 500 | 222 | 1 | 0.262 | 5 | No | XXXX | Manual Underwriting | 0 | 7.017 | No | No | XXXX | XXXX | No |
| XXXX | 2158656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 706 | 706 | 705 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 29.53 | 31.49 | 8360.14 | .00 | .00 | .00 | 8360.14 | Employed |  |  |  | 2.58 |  |  |  | 3 YRS | 5727.46 | 2632.68 | Taxes and Insurance | 7.57 | 18693.84 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.25 | 8.25 | 1913.48 | 1913.48 | 555.2 | 2468.68 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 1425.00 | 1 | 1250 | 210 | 7 | 0.02891891891891892 | 4 | No | XXXX | Manual Underwriting | 8429.25 | 8.668 | Yes | No | XXXX | XXXX | No |
| XXXX | 2151698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 648 | 625 | 648 | 688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | DC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 28116 | Taxes and Insurance | 103.41 | 307600.06 | XXXX | XXXX | 62.16 | 62.16 | 62.16 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.625 | 8.625 | 2465.59 | 2465.59 | 508.95 | 2974.54 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 307600.06 | .00 | 2 | 50000 | 405 | 20 | 0.9018768863747266 | 23.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2151892 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 764 | 761 | 777 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 708 | 708 | 762 | 680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 672 | 678 | 672 | 638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | LA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6450 | Taxes and Insurance | 155.21 | 1365176.38 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 7060.43 | 7060.43 | 2547.02 | 8998.85 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 3 | 0.0 | .00 | 16 | 38000 | 279 | 2 | 0.5018593775614976 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | Yes |
| XXXX | 2158295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 764 | 761 | 777 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 708 | 708 | 762 | 680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 672 | 678 | 672 | 638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | LA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6450 | Taxes and Insurance | 138.2 | 1365176.38 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 7925.5 | 7925.5 | 2914.69 | 10135.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 3 | 41255.34 | .00 | 16 | 38000 | 377 | 2 | 0.5123638069751681 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | Yes |
| XXXX | 2155496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 726 | 742 | 726 | 718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 747 | 778 | 747 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 29.76 | 46.29 | 15009.75 | .00 | .00 | .00 | 15009.75 | Employed | Not Employed |  |  | 26.08 |  |  |  | Yes | 8062.01 | 6947.74 | Taxes and Insurance | 46.93 | 329620.39 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | 6003.15 | 6003.15 | 1020.35 | 7023.5 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | 10357.00 | 2 | 0 | 128 | 0 | 0 | 7 | No | XXXX | Manual Underwriting | 30657.0 | 7.413 | No | No | XXXX | XXXX | No |
| XXXX | 2151705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 645 | 667 | 645 | 613 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2973 | Taxes and Insurance | 6.15 | 17940.57 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.75 | 7.75 | 2269.46 | 2269.46 | 566.33 | 2915.79 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 17940.57 | 2739.24 | 1 | 30158 | 141 | 13 | 0.07846633972358448 | 0.5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155505 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 767 | 777 | 767 | 757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 11.67 | 30.7 | 36026.83 | .00 | .00 | .00 | 36026.83 | Employed |  |  |  | 10 |  |  |  | NA | 24966.22 | 11060.61 | Taxes and Insurance | 40.71 | 171083.93 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 3518 | 3518.0 | 684.57 | 4202.57 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 1425.00 | 2 | 49639 | 236 | 4 | 0.03896 | 9.42 | No | XXXX | Manual Underwriting | 10917.0 | 6.814 | No | No | XXXX | XXXX | No |
| XXXX | 2155492 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 736 | 736 | 726 | 761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Refinance | Cash Out - Other | 24.86 | 29.32 | 20342.68 | .00 | .00 | .00 | 20342.68 | Employed |  |  |  | 13.08 |  |  |  | 3 YRS | 14378 | 5964.68 | Taxes and Insurance | 29.08 | 147079.43 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | 3691.85 | 3691.85 | 1205.83 | 5057.68 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 116692.86 | 417.12 | 1 | 20000 | 174 | 14 | 0.008946356805871046 | 4.42 | No | XXXX | Manual Underwriting | 14937.12 | 7.551 | Yes | No | XXXX | XXXX | No |
| XXXX | 2155498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes |  | XXXX | 739 | 776 | 739 | 691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Refinance | Rate and Term | 21.63 | 39 | 24794.27 | .00 | .00 | .00 | 24794.27 | Employed |  |  |  | 5 |  |  |  | 3 YRS | 15124.72 | 9669.55 | Taxes and Insurance | 25.84 | 138613.3 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 4410.47 | 4410.47 | 953.05 | 5363.52 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 1425.00 | 2 | 47462 | 121 | 9 | 0.03925115508674048 | 0.75 | No | XXXX | Manual Underwriting | 18425.0 | 7.051 | No | No | XXXX | XXXX | No |
| XXXX | 2158645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 756 | 756 | 770 | 714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 16.51 | 18.98 | 28397.02 | .00 | .00 | .00 | 28397.02 | Employed |  |  |  | 6.67 |  |  |  | 2 YRS | 23006.68 | 5390.34 | Taxes and Insurance | 60.26 | 282503.09 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 3943.22 | 3943.22 | 582.12 | 4688.34 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 972.74 | 1 | 23500 | 224 | 4 | 0.3935064935064935 | 4.75 | No | XXXX | Manual Underwriting | 11399.25 | 6.816 | No | No | XXXX | XXXX | No |
| XXXX | 2155485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 736 | 700 | 756 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | HI | XXXX | XXXX | 24 Month Bank Statement | Primary Residence | Refinance | Cash Out - Other | 9.75 | 10.59 | 34790.02 | .00 | .00 | .00 | 34790.02 | Employed |  |  |  | 14.08 |  |  |  | 3 YRS | 31104.63 | 3685.39 | Taxes and Insurance | 97.14 | 329650.45 | XXXX | XXXX | 28.13 | 28.13 | 28.13 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.25 | 6.25 | 2770.73 | 2770.73 | 622.66 | 3393.39 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 219456.35 | 1425.00 | 1 | 11600 | 109 | 5 | 0.35483495145631067 | 7 | No | XXXX | Manual Underwriting | 7050.0 | 6.456 | No | No | XXXX | XXXX | No |
| XXXX | 2155501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 814 | 814 | 814 | 781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1228 | No Escrow | 631.74 | 2257024.89 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.5 | 6.5 | 2433.46 | 2433.46 | 0 | 3572.72 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 4312.50 | 3 | 33129 | 246 | 5 | 0.6358256880733945 | 15 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2158652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 809 | 811 | 809 | 802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 18.7 | 23.06 | 44882.11 | .00 | .00 | .00 | 44882.11 | Employed |  |  |  | 5.92 |  |  |  | NA | 34530.53 | 10351.58 | Taxes and Insurance | 7.19 | 60335.88 | XXXX | XXXX | 36.11 | 36.11 | 36.11 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.5 | 6.5 | 6047.68 | 6047.68 | 1550.9 | 8393.58 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 6669.81 | 13219.07 | 1 | 41669 | 253 | 5 | 0.0243265306122449 | 7.92 | No | XXXX | Manual Underwriting | 31159.22 | 6.659 | No | No | XXXX | XXXX | No |
| XXXX | 2155660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 721 | 735 | 721 | 717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MO | XXXX | XXXX | 12 Month Bank Statement | Investment | Refinance | Rate and Term | 18.84 | 37.96 | 27740.46 | .00 | .00 | .00 | 27740.46 | Employed |  |  |  | 1.19 |  |  |  |  | 17209.41 | 10531.05 | Taxes and Insurance | 16.98 | 65102.74 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 4114.05 | 4114.05 | 631.51 | 4745.58 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 1%, 1%, 1%, 1%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 2914.24 | 2 | 18146 | 236 | 6 | 0.0993229140151708 | 5.42 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155489 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 793 | 798 | 793 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 28.14 | 28.14 | 24673.84 | .00 | .00 | .00 | 24673.84 | Employed |  |  |  | 2.08 |  |  |  | NA | 17731 | 6942.84 | Taxes and Insurance | 8 | 55562.79 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.5 | 6.5 | 5612.76 | 5612.76 | 1330.08 | 6942.84 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | .00 | 1 | 19600 | 106 | 1 | 0 | 2 | No | XXXX | Manual Underwriting | 0 | 6.573 | No | No | XXXX | XXXX | No |
| XXXX | 2155490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 766 | 778 | 766 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 810 | 810 | 816 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 26.77 | 34.84 | 14484.83 | .00 | .00 | .00 | 14484.83 | Not Employed | Not Employed |  |  |  |  |  |  | 2 YRS | 9438.61 | 5046.22 | Taxes and Insurance | 264.04 | 1023779 | XXXX | XXXX | 72.65 | 72.65 | 72.65 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.0 | 7.0 | 2827.54 | 2827.54 | 375.77 | 3877.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0.0 | .00 | 1 | 24500 | 238 | 12 | 0.061053423626787055 | 12.08 | No | XXXX | Manual Underwriting | 7968.75 | 7.061 | No | No | XXXX | XXXX | No |
| XXXX | 2155491 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 663 | 663 | 742 | 628 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 382 | Taxes and Insurance | 4.29 | 12754.81 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 2149.92 | 2149.92 | 824.91 | 2974.83 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 1139.06 | 2 | 32500 | 340 | 2 | 0.5628823529411765 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155504 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 768 | 786 | 768 | 762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Refinance | Cash Out - Other | 4.73 | 6.12 | 121880.04 | .00 | .00 | .00 | 121880.04 | Employed |  |  |  | 5.33 |  |  |  | NA | 114421.9 | 7458.14 | No Escrow | 23.54 | 135759.02 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 4807.1 | 4807.1 | 0 | 5766.14 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 135759.02 | 6173.52 | 1 | 272774 | 21892 | 2 | 0 | 1.58 | No | XXXX | Manual Underwriting | 25313.52 | 7.509 | No | No | XXXX | XXXX | No |
| XXXX | 2155495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 789 | 789 | 810 | 768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 674 | Taxes and Insurance | 8.89 | 55952.3 | XXXX | XXXX | 76.5 | 76.5 | 76.5 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 5777.34 | 5777.34 | 516.29 | 6293.63 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 3168.8 | 12500.00 | 2 | 48500 | 179 | 4 | 0.010246085011185683 | 3 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155488 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 792 | 792 | 809 | 784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | 1099 Verified | Primary Residence | Purchase | NA | 25.88 | 34.12 | 5995.76 | .00 | .00 | .00 | 5995.76 | Employed |  |  |  | 1.5 |  |  |  | 2 YRS | 3949.93 | 2045.83 | Taxes and Insurance | 138.39 | 214753.72 | XXXX | XXXX | 50.0 | 50.0 | 50.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.0 | 7.0 | 1197.54 | 1197.54 | 234.29 | 1551.83 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 1425.00 | 1 | 209 | 135 | 4 | 0 | 2.25 | No | XXXX | Manual Underwriting | 5700.0 | 7.232 | No | No | XXXX | XXXX | No |
| XXXX | 2155507 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 778 | 785 | 778 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 801 | 816 | 779 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Refinance | Rate and Term | 24.26 | 38.72 | 6792.35 | 6792.35 | .00 | .00 | 13584.70 | Employed | Employed |  |  | 6.42 | 6.42 |  |  | 3 YRS | 8324.45 | 5260.25 | No Escrow | 13.39 | 44145.76 | XXXX | XXXX | 45.42 | 45.42 | 45.42 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.25 | 6.25 | 1579.93 | 1579.93 | 0 | 3295.94 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0.0 | .00 | 1 | 19000 | 267 | 12 | 0.03118021288188662 | 1.33 | No | XXXX | Manual Underwriting | 1300.0 | 6.329 | No | No | XXXX | XXXX | No |
| XXXX | 2155659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 794 | 743 | 794 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 788 | 790 | 787 | 788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 723 | 698 | 723 | 732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3838 | Taxes and Insurance | 8.99 | 41318.36 | XXXX | XXXX | 72.58 | 72.58 | 72.58 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7 | 7.0 | 3281.25 | 3281.25 | 1316.51 | 4597.75 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 24 | 5%, 4% | Wholesale | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 3 | 41318.36 | 5625.00 | 7 | 28643 | 509 | 9 | 0.19168243301843457 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2158653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 762 | 762 | 782 | 737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | 24 Month Bank Statement | Primary Residence | Purchase | NA | 5.94 | 29.57 | 28526.10 | .00 | .00 | .00 | 28526.10 | Employed |  |  |  | 4.67 |  |  |  | 3 YRS | 20090.44 | 8435.66 | Taxes and Insurance | 46.17 | 78232.41 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | 1173.34 | 1173.34 | 375.99 | 1694.33 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 3158.76 | 1 | 60000 | 627 | 4 | 0.2544876783398184 |  | No | XXXX | Manual Underwriting | 4888.76 | 7.450 | No | No | XXXX | XXXX | No |
| XXXX | 2158659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  |  | XXXX | 796 | 798 | 770 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 11867 | No Escrow | 24.87 | 116224.34 | XXXX | XXXX | 34.35 | 34.35 | 34.35 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 3625.56 | 3625.56 | 0 | 4672.59 | XXXX | Fixed | 480 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 116224.34 | .00 | 5 | 37142 | 240 | 8 | 0.0004050925925925926 | 21.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2158657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes |  | XXXX | 661 | 618 | 662 | 661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 799 | 799 | 801 | 791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Refinance | Rate and Term | 31.81 | 40.82 | 12135.59 | 9602.00 | .00 | .00 | 21737.59 | Employed | Employed |  |  | 3.42 | 21 |  |  | 3 YRS | 12863.35 | 8874.24 | Taxes and Insurance | 88.38 | 611024.86 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.5 | 8.5 | 5351.64 | 5351.64 | 1071.07 | 6913.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 804.7 | 1425.00 | 1 | 33305 | 115 | 3 | 0.2769800242517072 | 0.42 | No | XXXX | Manual Underwriting | 0 | 8.546 | Yes | No | XXXX | XXXX | No |
| XXXX | 2155512 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 643 | 643 | 622 | 647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 10.28 | 33.68 | 167573.33 | .00 | .00 | .00 | 167573.33 | Employed |  |  |  | 17.75 |  |  |  | 2 YRS | 111141.99 | 56431.34 | Taxes and Insurance | 45.72 | 787266.37 | XXXX | XXXX | 50.0 | 50.0 | 50.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | 11820.8 | 11820.8 | 4683.37 | 17219.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 1425.00 | 6 | 426112 | 162 | 9 | 0.5843349753694581 | 7.83 | No | XXXX | Manual Underwriting | 46800.0 | 8.077 | No | No | XXXX | XXXX | No |
| XXXX | 2154546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 774 | 778 | 774 | 771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5181 | Taxes and Insurance | 13.26 | 13742.09 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 806.71 | 806.71 | 230.02 | 1036.73 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 3907.93 | 2 | 30000 | 131 | 3 | 0.07453237410071943 | 0.25 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2158648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 652 | 661 | 652 | 645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 2.25 |  |  |  |  |  | 435 | No Escrow | 92.84 | 436160.23 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.75 | 7.75 | 3073.88 | 3073.88 | 0 | 4697.81 | XXXX | Fixed | 480 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 6038.00 | 2 | 18700 | 373 | 5 | 0.5612023460410557 | 0.33 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 750 | 750 | 783 | 749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 8909 | Taxes and Insurance | 14.47 | 41336.37 | XXXX | XXXX | 78.46 | 78.46 | 78.46 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 2266.44 | 2266.44 | 590.31 | 2856.75 | XXXX | Fixed | 360 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | .00 | 2 | 216892 | 238 | 11 | 0.24389598894693665 | 9.42 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes |  | XXXX | 759 | 755 | 759 | 768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 31.54 | 31.98 | 9019.62 | .00 | .00 | .00 | 9019.62 | Employed |  |  |  | 1.83 |  |  |  | 3 YRS | 6135.19 | 2884.43 | Taxes and Insurance | 35.31 | 100436.56 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 2443.78 | 2443.78 | 320.65 | 2844.43 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 4430.76 | 1 | 7000 | 38 | 3 | 0.025598973188819166 | 1.83 | No | XXXX | Manual Underwriting | 10725.0 | 7.018 | No | No | XXXX | XXXX | No |
| XXXX | 2158230 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 740 | 740 | 740 | 755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6319 | Taxes and Insurance | 10.88 | 14073.12 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 972.25 | 972.25 | 321.75 | 1294 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | .00 | 2 | 150000 | 150 | 9 | 0.10576475242764637 | 11.25 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2155515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 758 | 763 | 758 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 8769 | Taxes and Insurance | 18.52 | 213654.48 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 8893.08 | 8893.08 | 2645.83 | 11538.91 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 6311.80 | 2 | 25535 | 137 | 8 | 0.375044776119403 | 3.5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2158664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 693 | 696 | 689 | 693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2904 | Taxes and Insurance | 49.15 | 57932.71 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 699.31 | 699.31 | 311.3 | 1178.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 57932.71 | 5701.80 | 3 | 31300 | 122 | 12 | 0.49950180505415165 | 8 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 797 | 797 | 836 | 767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX |  | 763 | 815 | 766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 17.18 | 26.92 | 11266.67 | 23000.00 | .00 | .00 | 34266.67 | Employed | Employed |  |  | 11.67 | 1.75 |  |  | 2 YRS | 25043.24 | 9223.43 | Taxes and Insurance | 50.56 | 297597.21 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.625 | 6.625 | 4430.95 | 4430.95 | 1304.69 | 5885.64 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0.0 | .00 | 2 | 23400 | 412 | 11 | 0.030339152119700747 | 4.67 | No | XXXX | Manual Underwriting | 13840.0 | 6.902 | No | No | XXXX | XXXX | No |
| XXXX | 2155511 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 749 | 781 | 745 | 749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2840 | Taxes and Insurance | 12.06 | 38223.27 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 2537.5 | 2537.5 | 632.64 | 3170.14 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 7090.80 | 2 | 20770 | 223 | 15 | 0.031027713625866052 | 9 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2158651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 755 | 755 | 768 | 741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 18328 | Taxes and Insurance | 125.01 | 354353.45 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 2360.9 | 2360.9 | 473.71 | 2834.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 354353.45 | 1157.00 | 9 | 100000 | 264 | 3 | 0.8997921146953405 | 50.83 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 720 | 720 | 742 | 688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1054 | Taxes and Insurance | 60.72 | 152432.51 | XXXX | XXXX | 55.57 | 55.57 | 55.57 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 2202.65 | 2202.65 | 252.7 | 2510.35 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 1696.04 | 1 | 46331 | 27 | 5 | 0.06723484848484848 | 15 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 698 | 698 | 649 | 702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 7422 | Taxes and Insurance | 194.31 | 1279452.49 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7 | 7.0 | 4541.25 | 4541.25 | 1501.45 | 6584.7 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 11677.50 | 1 | 140107 | 270 | 12 | 0.7861448448444905 | 1 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 669 | 619 | 675 | 669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Refinance | Rate and Term | 5.82 | 10.54 | 210417.27 | .00 | .00 | .00 | 210417.27 | Employed |  |  |  | 15.5 |  |  |  | 3 YRS | 188245.1 | 22172.17 | Insurance | 6.01 | 73576.65 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | 9652.49 | 9652.49 | 721.14 | 12239.88 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Retail |  | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 12990.00 | 2 | 101795 | 189 | 14 | 0.36777777777777776 | 0.92 | No | XXXX | Manual Underwriting | 12990.0 | 7.985 | No | No | XXXX | XXXX | No |
| XXXX | 2158644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 812 | 799 | 830 | 812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 812 | 791 | 830 | 812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | 1YR Full Doc | Primary Residence | Refinance | Cash Out - Other | 29.23 | 31.59 | 4166.00 | 3966.00 | .00 | .00 | 8132.00 | Not Employed | Not Employed |  |  |  |  |  |  | 2 YRS | 5563.41 | 2568.59 | No Escrow | 183.93 | 437170.87 | XXXX | XXXX | 42.86 | 42.86 | 42.86 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 1718.75 | 1718.75 | 0 | 2376.78 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | N | 0 | No Prepayment Penalty | Retail |  | XXXX |  |  |  | Yes | XXXX | Townhouse | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 298257.54 | .00 | 1 | 30137 | 458 | 3 | 0.13536786452744262 | 5 | No | XXXX | Manual Underwriting | 0.0 | 6.892 | No | No | XXXX | XXXX | No |
| XXXX | 2158655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  |  | XXXX | 816 | 816 | 836 | 790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 13593 | Taxes and Insurance | 147.17 | 447621.37 | XXXX | XXXX | 66.62 | 66.62 | 66.62 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.375 | 6.375 | 2300.6 | 2300.6 | 740.95 | 3041.55 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | C | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 8864.62 | 3 | 27024 | 214 | 5 | 0.011291172595520422 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2161439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 677 | 679 | 677 | 676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 1.83 |  |  |  |  |  | 1599 | Taxes and Insurance | 74.06 | 82510.84 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 709.3 | 709.3 | 404.82 | 1114.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 82510.84 | 1956.50 | 1 | 21525 | 146 | 6 | 0.7468478260869565 | 2 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2161437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 687 | 677 | 702 | 687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 709 | 680 | 709 | 709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 6 |  |  |  |  |  | 22049 | Taxes and Insurance | 138.95 | 552134.18 | XXXX | XXXX | 58.44 | 58.44 | 58.44 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 3221.75 | 3221.75 | 684.54 | 3973.54 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | .00 | 2 | 22500 | 247 | 3 | 0.46063944909001475 | 37 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2155661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 669 | 669 | 677 | 659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3035 | Taxes and Insurance | 12.68 | 23155.29 | XXXX | XXXX | 64.31 | 64.31 | 64.31 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.75 | 7.75 | 1207.15 | 1207.15 | 619.5 | 1826.63 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 6440.00 | 2 | 31541 | 147 | 25 | 0.6447000174916915 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2158646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 781 | 781 | 810 | 767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 817 | 817 | 824 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Refinance | Rate and Term | 24.83 | 32.7 | 12473.89 | 4733.33 | .00 | .00 | 17207.22 | Employed | Employed |  |  | 5.75 | 34.5 |  |  | 3 YRS | 11581.08 | 5626.14 | Taxes and Insurance | 3.65 | 15577.06 | XXXX | XXXX | 69.8 | 69.8 | 69.8 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 3463.51 | 3463.51 | 809.84 | 4273.35 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Retail |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0.0 | 5040.00 | 1 | 14528 | 404 | 2 | 0.034763130974637554 | 2.33 | No | XXXX | Manual Underwriting | 5040.0 | 6.875 | No | No | XXXX | XXXX | No |
| XXXX | 2161440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 722 | 699 | 749 | 722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 1.92 |  |  |  |  |  | 1347 | Taxes and Insurance | 37.29 | 59938.13 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 1104.16 | 1104.16 | 306.15 | 1607.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 58439.82 | 1482.00 | 1 | 20765 | 243 | 8 | 0.3036646307606885 | 2 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2155663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 765 | 765 | 761 | 766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2537 | Taxes and Insurance | 152.37 | 218458.96 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 1037.66 | 1037.66 | 401.37 | 1439.03 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 31416.1 | 2576.25 | 3 | 51602 | 128 | 6 | 0.05499009900990099 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2158667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 801 | 795 | 813 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 784 | 784 | 781 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 596 | Taxes and Insurance | 18.09 | 113141.09 | XXXX | XXXX | 69.33 | 69.33 | 69.33 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 4047.25 | 4047.25 | 381.48 | 6254.73 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condotel | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | 1665.00 | 2 | 49500 | 441 | 7 | 0.09374210526315789 | 1.58 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2155662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 730 | 730 | 746 | 730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 747 | 751 | 747 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NY | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 7183 | Taxes and Insurance | 106.11 | 157016.52 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 1094.51 | 1094.51 | 436.73 | 1531.24 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 145387.93 | 4218.75 | 3 | 20000 | 205 | 10 | 0.39930696661828735 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2158273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 684 | 693 | 652 | 684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 672 | 672 | 605 | 679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2535 | Taxes and Insurance | 18.5 | 56380.5 | XXXX | XXXX | 74.63 | 74.63 | 74.63 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 2530.36 | 2530.36 | 517.31 | 3047.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0.0 | .00 | 1 | 429264 | 233 | 23 | 0.10705531362776442 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2158647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 709 | 703 | 709 | 717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 28.67 | 42.56 | 18077.38 | .00 | .00 | .00 | 18077.38 | Employed |  |  |  | 9.75 |  |  |  | 2 YRS | 10383.02 | 7694.36 | Taxes and Insurance | 3.23 | 206718.19 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | 4716.03 | 4716.03 | 467.33 | 5183.36 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Retail |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 4321.00 | 1 | 54932 | 76 | 5 | 0.3324376199616123 | 4.83 | No | XXXX | Manual Underwriting | 4321.0 | 7.218 | No | No | XXXX | XXXX | No |
| XXXX | 2158660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 697 | 697 | 705 | 695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 30.16 | 35.12 | 6349.96 | .00 | .00 | .00 | 6349.96 | Employed |  |  |  | 4.17 |  |  |  | 3 YRS | 4119.97 | 2229.99 | Taxes and Insurance | 28.67 | 54904.08 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 1557.15 | 1557.15 | 332.17 | 1914.99 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 1753.40 | 1 | 1545 | 43 | 3 | 0 | 0.08 | No | XXXX | Manual Underwriting | 7803.4 | 7.784 | Yes | No | XXXX | XXXX | No |
| XXXX | 2158666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 737 | 738 | 737 | 720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 816 | Taxes and Insurance | 14.88 | 23001.53 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 1136.39 | 1136.39 | 409.11 | 1545.49 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 1221.21 | 3 | 47083 | 62 | 5 | 0.01508339985714886 | 0.83 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2158665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes |  | XXXX | 657 | 675 | 657 | 629 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 18.97 | 47.97 | 15984.68 | .00 | .00 | .00 | 15984.68 | Employed |  |  |  | 4.08 |  |  |  | 3 YRS | 8316.05 | 7668.63 | Taxes and Insurance | 6.31 | 19174.08 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.5 | 8.5 | 2152.96 | 2152.96 | 869.78 | 3031.63 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 13045.20 | 2 | 45699 | 126 | 7 | 0.32200479376095587 | 3 | No | XXXX | Manual Underwriting | 13217.65 | 8.851 | Yes | No | XXXX | XXXX | No |
| XXXX | 2158662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 793 | 793 | 804 | 793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | DC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 748 | Taxes and Insurance | 89.09 | 206437.89 | XXXX | XXXX | 73.53 | 73.53 | 73.53 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 1510.42 | 1510.42 | 218.76 | 2317.18 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 162544.91 | 497.50 | 1 | 29795 | 285 | 3 | 0.14561764705882352 | 0.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2158661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 703 | 703 | 719 | 693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1057 | Taxes and Insurance | 26.31 | 58566.4 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7 | 7.0 | 1546.83 | 1546.83 | 679.1 | 2225.93 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 947.05 | 1 | 13079 | 212 | 15 | 0.18116580310880828 | 1 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2158663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 738 | 738 | 729 | 742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5594 | No Escrow | 9.13 | 50045.75 | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 4475.57 | 4475.57 | 0 | 5483.42 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 8028.45 | 2 | 25000 | 354 | 12 | 0.2535843101893598 | 15 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2158658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 683 | 683 | 698 | 664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Refinance | Rate and Term | 36.87 | 38.39 | 5529.13 | .00 | .00 | .00 | 5529.13 | Employed |  |  |  | 7.75 |  |  |  | 2 YRS | 3406.37 | 2122.76 | Taxes and Insurance | 16.54 | 33720.13 | XXXX | XXXX | 71.7 | 71.7 | 71.7 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | 1467.36 | 1467.36 | 571.4 | 2038.76 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 77.88 | 1425.00 | 1 | 15000 | 137 | 8 | 0.06534883720930233 | 0.58 | No | XXXX | Manual Underwriting | 5705.0 | 7.624 | No | No | XXXX | XXXX | No |
| XXXX | 2158668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 675 | 675 | 668 | 679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 22.17 |  |  |  |  |  | 1943 | No Escrow | 32.3 | 54439.05 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.375 | 8.375 | 1168.61 | 1168.61 | 0 | 1685.52 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 1769.40 | 1 | 38263 | 139 | 11 | 0.10139985642498206 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
| XXXX | 2158298 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 710 | 710 | 707 | 722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | SC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5509.48 | Taxes and Insurance | 17.93 | 15520.29 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 1912.89 | 1912.89 | 473.09 | 3666.97 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 3112.50 | 2 | 36806 | 244 | 11 | 0.16015410958904108 | 18.83 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2158299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 708 | 710 | 704 | 708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1682 | Taxes and Insurance | 25.53 | 83400.45 | XXXX | XXXX | 74.2 | 74.2 | 74.2 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 1827.9 | 1827.9 | 621.45 | 3266.74 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | VE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 13912.50 | 1 | 11000 | 248 | 6 | 0.0665272614622057 | 10.5 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2161438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 723 | 723 | 728 | 723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MI | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 2.17 |  |  |  |  |  | 6856 | Taxes and Insurance | 102.6 | 89536.97 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.75 | 7.75 | 711.93 | 711.93 | 160.75 | 872.65 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 89536.97 | 5227.50 | 5 | 13650 | 218 | 3 | 0.6676139410187668 | 6 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2161481 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 792 | 792 | 792 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 35 | Taxes and Insurance | 61.42 | 36630.92 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 474.97 | 474.97 | 121.4 | 596.37 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 705.00 | 1 | 20000 | 321 | 2 | 0.009138461538461538 | 7.41 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2161488 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 792 | 792 | 792 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 35 | Taxes and Insurance | 52.85 | 43617.51 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7 | 7.0 | 623.72 | 623.72 | 201.55 | 825.27 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 937.50 | 1 | 20000 | 321 | 2 | 0.009138461538461538 | 7.41 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2161487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 713 | 708 | 713 | 725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 20 | Taxes and Insurance | 37.57 | 49566.88 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7 | 7.0 | 693.88 | 693.88 | 159.52 | 1325.87 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 31817.8 | 1189.50 | 1 | 15000 | 348 | 1 | 0.0013333333333333333 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2161489 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 713 | 708 | 713 | 725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3770 | Taxes and Insurance | 82 | 146511.67 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 898.83 | 898.83 | 203.71 | 1831.99 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 131641.83 | 1462.50 | 1 | 15000 | 348 | 5 | 0.0003846153846153846 | 2.91 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2161483 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 713 | 708 | 713 | 725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 20 | Taxes and Insurance | 77.1 | 115785.11 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 703.08 | 703.08 | 250.31 | 1545.38 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 100915.27 | 1144.00 | 1 | 15000 | 348 | 1 | 0.0013333333333333333 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2161482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 691 | 684 | 691 | 700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2678 | Taxes and Insurance | 98.91 | 67256.46 | XXXX | XXXX | 60.0 | 60.0 | 60.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 565.55 | 565.55 | 152.14 | 717.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 66005.92 | 2340.00 | 1 | 17500 | 461 | 3 | 0.06358108108108108 | 5.08 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2163606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 769 | 775 | 754 | 769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 13.57 | 41.11 | 38836.03 | .00 | .00 | .00 | 38836.03 | Employed |  |  |  | 27.08 |  |  |  | NA | 22868.82 | 15967.21 | Taxes and Insurance | 20.08 | 105847.23 | XXXX | XXXX | 85.0 | 85.0 | 85.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.125 | 7.125 | 4323.59 | 4323.59 | 948.08 | 5271.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 14430.00 | 5 | 35828 | 249 | 7 | 0.0922438687111075 | 20 | No | XXXX | Manual Underwriting | 15680.0 | 7.439 | No | No | XXXX | XXXX | No |
| XXXX | 2161490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 757 | 757 | 768 | 751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2046 | Taxes and Insurance | 128.29 | 172191.95 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.75 | 7.75 | 904.17 | 904.17 | 449.52 | 1353.68 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | N | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 11926.81 | 2463.21 | 1 | 53345 | 96 | 5 | 0.20303448275862068 | 14.58 | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2163607 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 810 | 816 | 810 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 15.6 | 43.19 | 39497.00 | .00 | .00 | .00 | 39497.00 | Employed |  |  |  | 1.5 |  |  |  | NA | 22437.8 | 17059.2 | Taxes and Insurance | 9.38 | 57800.43 | XXXX | XXXX | 84.93 | 84.93 | 84.93 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 4399.6 | 4399.6 | 1760.6 | 6160.2 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0.0 | 9602.09 | 1 | 807762 | 211 | 4 | 0.03900466562986003 | 8.67 | No | XXXX | Manual Underwriting | 25527.09 | 7.560 | No | No | XXXX | XXXX | No |
| XXXX | 2161484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 700 | 700 | 710 | 679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 11591 | Taxes and Insurance | 331.36 | 1378359.3 | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8.0 | 3250.0 | 3250.0 | 915.23 | 4165.23 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 8925.28 | 9750.00 | 11 | 183039 | 232 | 5 | 0.46343147208121827 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2161485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 700 | 700 | 710 | 679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 11591 | Taxes and Insurance | 341.91 | 1378359.3 | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 3215.63 | 3215.63 | 820.52 | 4036.14 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 10672.91 | 10290.00 | 11 | 183039 | 232 | 5 | 0.46343147208121827 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2161486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 700 | 700 | 710 | 679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 41078 | Taxes and Insurance | 329.85 | 1378359.21 | XXXX | XXXX | 65.0 | 65.0 | 65.0 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 2684.64 | 2684.64 | 1503.23 | 4187.88 | XXXX | Fixed | 120 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 3%, 2%, 1% | Retail | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0.0 | 8450.00 | 11 | 183039 | 232 | 4 | 0.7020069204152249 |  | No | XXXX | Manual Underwriting | Not Tested | Not Tested | Not Tested | Not Tested | XXXX | XXXX | No |
| XXXX | 2163608 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 715 | 715 | 731 | 678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 716 | 679 | 742 | 716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | 12 Month Bank Statement | Primary Residence | Purchase | NA | 22.7 | 43.43 | 13404.82 | 1203.20 | .00 | .00 | 14608.02 | Employed | Retired |  |  | 13.92 |  |  |  | NA | 8264.39 | 6343.63 | Taxes and Insurance | 12.1 | 40111.68 | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 2420.65 | 2420.65 | 747.13 | 3315.47 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0.0 | 6982.50 | 1 | 25889 | 402 | 14 | 0.8441308777730786 | 7.67 | No | XXXX | Manual Underwriting | 11257.5 | 7.876 | Yes | No | XXXX | XXXX | No |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 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 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| 2018534 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1783.64 | No |  | $2431.20 | $202.60 | $741.00 | $61.75 | $0.00 | $0.00 | $0.00 | $2047.99 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.011 | 1.011 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 659 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United States | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 45777.30 | 22.4 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2098700 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1345.25 | No |  | $1655.76 | $137.98 | $2169.72 | $180.81 | $0.00 | $0.00 | $0.00 | $1664.04 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.052 | 1.052 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1002369.23 | 602.4 | 1002369.23 | 602.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2126853 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 12/08/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.868% |  | 7.750% | 7.750% | $3983.25 | No |  | $7397.28 | $616.44 | $3299.64 | $274.97 | $0.00 | $0.00 | $0.00 | $4874.66 | $19063.53 | N/A | XXXX |  | $0.00 | XXXX |  | 61.84% | 44.32% | 44.32% | Yes | Yes | 3 - Verified<2Mos | 3 - Verified<2Mos | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns | 3 - Stated, 3rd Party Verification | 3 - Stated, 3rd Party Verification | Self-Employed | Employed | Employed | Employed | 2.27 | 24.96 | 1YR Full Doc | 0 | 1 YR W2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), CPA Letter Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2025, 2024 \|\| Co Borrower 2 - Wage, Commission - 1 YR W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower 3 - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2025, 2024 \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower 3 - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 | 786 | 786 | 784 | 772 | 820 | 796 | 786 | 796 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | Patriot Act Form | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | XXXX | XXXX |  | XXXX | N/A | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 81173.96 | 16.7 | 241850.92 | 49.6 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | Borrower As Individual | Borrower As Individual |  |  |  |  |
| 2124101 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.250% | 7.250% | $562.11 | Yes | 23.990% | $559.32 | $46.61 | $822.36 | $68.53 | $0.00 | $0.00 | $0.00 | $677.25 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.624 | 1.624 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 33929.84 | 50.1 | 33929.84 | 50.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2137681 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $833.83 | No |  | $620.52 | $51.71 | $2148.96 | $179.08 | $0.00 | $0.00 | $0.00 | $1064.62 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.916 | 1.916 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 641 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot act disclosure form | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 104871.95 | 98.5 | No | 43.4 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2140102 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $2033.14 | No |  | $2325.96 | $193.83 | $828.96 | $69.08 | $350.04 | $29.17 | $0.00 | $2325.22 | $11049.07 | N/A | XXXX | ID | $29.17 | XXXX | Annually | 46.78% | 33.89% | 33.89% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | ID | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | ID | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 282534.59 | 121.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2137687 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1259.79 | No |  | $5520.84 | $460.07 | $2562.96 | $213.58 | $0.00 | $0.00 | $0.00 | $1933.44 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.086 | 1.086 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 166855.87 | 86.3 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137707 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.000% | 8.000% | $2362.72 | No |  | $3999.12 | $333.26 | $1461.36 | $121.78 | $0.00 | $0.00 | $0.00 | $2817.76 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.029 | 1.029 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 655 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 63598.67 | 22.6 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2137690 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $2324.89 | No |  | $5902.68 | $491.89 | $1513.08 | $126.09 | $0.00 | $0.00 | $0.00 | $2942.87 |  | N/A | XXXX |  | $0.00 | XXXX |  | 6063.05% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.087 | 1.03 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 647 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 39229.92 | 13.3 | 39229.92 | 13.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2137696 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $1150.54 | No |  | $519.96 | $43.33 | $2065.44 | $172.12 | $0.00 | $0.00 | $0.00 | $1365.99 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.787 | 0.787 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | KY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 51029.74 | 37.4 | 51029.74 | 37.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2137684 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $3431.67 | No |  | $5041.80 | $420.15 | $2088.12 | $174.01 | $0.00 | $0.00 | $0.00 | $4025.83 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.795 | 0.795 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 641 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 101325.89 | 25.2 | No | 64.9 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2140111 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $5826.77 | No |  | $5942.52 | $495.21 | $1377.00 | $114.75 | $0.00 | $0.00 | $0.00 | $6436.73 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.119 | 1.119 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | HI | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 40295.04 | 6.3 | 40295.04 | 6.3 | No | 74.86 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2140016 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.875% | 5.875% | $1045.84 | No |  | $2394.24 | $199.52 | $1692.00 | $141.00 | $0.00 | $0.00 | $0.00 | $1386.36 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 2.157 | 2.2 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 664845.93 | 479.6 | 664845.93 | 479.6 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2143061 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.875% | 5.875% | $922.80 | No |  | $1304.40 | $108.70 | $999.00 | $83.25 | $0.00 | $0.00 | $0.00 | $1114.75 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.664 | 1.664 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 654697.63 | 547 | 654697.63 | 547 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2140017 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.875% | 5.875% | $1153.50 | No |  | $1155.24 | $96.27 | $1244.04 | $103.67 | $0.00 | $0.00 | $0.00 | $1353.44 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 2.217 | 1.766 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 635820.71 | 469.8 | 635820.71 | 469.8 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2140110 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1588.55 | No |  | $8180.04 | $681.67 | $1779.96 | $148.33 | $1374.96 | $114.58 | $0.00 | $2533.13 |  | N/A | XXXX | TX | $114.58 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.184 | 1.177 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 649 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act Driving License | TX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 202632.52 | 80 | No | 41.82 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2158649 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1412.40 | No |  | $8586.24 | $715.52 | $6246.00 | $520.50 | $0.00 | $0.00 | $0.00 | $2648.42 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | SC | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 198962.32 | 75.1 | No | 45.26 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2143987 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $1120.02 | No |  | $962.04 | $80.17 | $1361.52 | $113.46 | $99.96 | $8.33 | $0.00 | $1321.98 |  | N/A | XXXX | TX | $8.33 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.135 | 1.142 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 641 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 14139.14 | 10.7 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2140083 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $955.89 | Yes | 23.990% | $1861.80 | $155.15 | $935.04 | $77.92 | $0.00 | $0.00 | $0.00 | $1188.96 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.304 | 1.304 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 46085.42 | 38.8 | 46085.42 | 38.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 2158650 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12208.56 | 01/29/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 9.083% |  | 8.625% | 8.625% | $2613.37 | No |  | $7901.52 | $658.46 | $2388.96 | $199.08 | $0.00 | $0.00 | $0.00 | $3470.91 | $4850.29 | N/A | XXXX |  | $0.00 | XXXX |  | 49.17% | 49.17% | 49.17% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 12 | 0 | 36.43% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 \|\| Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11485.10 | 3.3 | 11485.10 | 3.3 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2147747 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.750% | 5.750% | $897.24 | No |  | $1468.20 | $122.35 | $1226.04 | $102.17 | $0.00 | $0.00 | $0.00 | $1121.76 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.783 |  | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 661641.54 | 589.8 | 661641.54 | 589.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2147748 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.125% | 6.125% | $843.06 | No |  | $4311.00 | $359.25 | $1100.04 | $91.67 | $0.00 | $0.00 | $0.00 | $1293.98 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.159 | 1.159 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 27627.26 | 21.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155494 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 02/10/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | 7.017% |  | 6.625% | 6.625% | $736.36 | No |  | $1769.76 | $147.48 | $5795.04 | $482.92 | $0.00 | $0.00 | $0.00 | $1366.76 | $2401.19 | N/A | XXXX |  | $0.00 | XXXX |  | 36.61% | 36.61% | 36.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 82368.33 | 60.3 | 74869.40 | 54.8 | No | 29.11 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158656 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8429.25 | 02/11/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | 8.668% |  | 8.250% | 8.250% | $1913.48 | No |  | $4392.12 | $366.01 | $2270.28 | $189.19 | $0.00 | $0.00 | $0.00 | $2468.68 | $5727.46 | N/A | XXXX |  | $0.00 | XXXX |  | 31.49% | 31.49% | 31.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 83.77% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 18693.84 | 7.6 | 18693.84 | 7.6 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2151698 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $2465.59 | No |  | $4525.44 | $377.12 | $1581.96 | $131.83 | $0.00 | $0.00 | $0.00 | $2974.54 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.009 | 1.009 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | DC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 648 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 307600.06 | 103.4 | No | 62.16 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2151892 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.375% | 7.375% | $7060.43 | No |  | $12796.80 | $1066.40 | $10464.24 | $872.02 | $0.00 | $0.00 | $0.00 | $8998.85 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 4 - Verified 2+ Mos |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | Unknown | Unknown | Unknown |  | .00 |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.172 | 1.178 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 | 678 | 672 | 638 |  |  |  | 672 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1365176.38 | 151.7 | 1396690.90 | 155.2 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | Member on Behalf of Entity | N/A |  |  |  |  |
| 2158295 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.375% | 7.375% | $7925.50 | No |  | $14821.56 | $1235.13 | $11696.28 | $974.69 | $0.00 | $0.00 | $0.00 | $10135.32 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 4 - Verified 2+ Mos |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | Unknown | Unknown | Unknown |  | .00 |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.209 | 1.192 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 | 678 | 672 | 638 |  |  |  | 672 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1323921.04 | 130.6 | 1400725.80 | 138.2 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | Member on Behalf of Entity | N/A |  |  |  |  |
| 2155496 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 30657 | 03/04/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 7.413% |  | 7.250% | 7.250% | $6003.15 | No |  | $9003.60 | $750.30 | $3240.60 | $270.05 | $0.00 | $0.00 | $0.00 | $7023.50 | $8062.01 | N/A | XXXX |  | $0.00 | XXXX |  | 93.31% | 46.29% | 46.29% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 \|\| Co Borrower | Borrower - Executed 4506T Verified - 2025, 2026 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 329620.39 | 46.9 | 329620.39 | 46.9 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2151705 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $2269.46 | No |  | $3918.00 | $326.50 | $2877.96 | $239.83 | $960.00 | $80.00 | $0.00 | $2915.79 |  | N/A | XXXX | VA | $80.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.012 | 1.012 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 645 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 17940.57 | 6.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155505 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10917 | 03/11/2026 | 6.020% | Manual Underwriting | Manual Underwriting | No | 6.814% |  | 6.750% | 6.750% | $3518.00 | No |  | $4853.64 | $404.47 | $3361.20 | $280.10 | $0.00 | $0.00 | $0.00 | $4202.57 | $24966.22 | N/A | XXXX |  | $0.00 | XXXX |  | 30.70% | 30.70% | 30.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 88.23% | 33.30% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership, SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2026, 2025 | Borrower - 2026, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 171083.93 | 40.7 | 171083.93 | 40.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155492 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 14937.12 | 02/25/2026 | 5.990% | Manual Underwriting | Manual Underwriting | No | 7.551% |  | 7.500% | 7.500% | $3691.85 | No |  | $12170.88 | $1014.24 | $2299.08 | $191.59 | $1920.00 | $160.00 | $0.00 | $5057.68 | $14378.00 | N/A | XXXX | IL | $160.00 | XXXX | Monthly | 29.32% | 29.32% | 29.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 30386.57 | 6 | 147079.43 | 29.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155498 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 18425 | 03/02/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 7.051% |  | 6.750% | 6.750% | $4410.47 | No |  | $10023.60 | $835.30 | $1413.00 | $117.75 | $0.00 | $0.00 | $0.00 | $5363.52 | $15124.72 | N/A | XXXX |  | $0.00 | XXXX |  | 39.00% | 39.00% | 39.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 33.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 138613.30 | 25.8 | 138613.30 | 25.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158645 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 11399.25 | 02/24/2026 | 5.990% | Manual Underwriting | Manual Underwriting | No | 6.816% |  | 6.750% | 6.750% | $3943.22 | No |  | $4579.32 | $381.61 | $2406.12 | $200.51 | $1956.00 | $163.00 | $0.00 | $4688.34 | $23006.68 | Yes | XXXX | WA | $163.00 | XXXX | Monthly | 18.98% | 18.98% | 18.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025 | Borrower - 2 YRS Executed 4506T Verified - 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 282503.09 | 60.3 | 282503.09 | 60.3 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155485 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7050 | 03/05/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 6.456% |  | 6.250% | 6.250% | $2770.73 | No |  | $5491.92 | $457.66 | $1980.00 | $165.00 | $0.00 | $0.00 | $0.00 | $3393.39 | $31104.63 | N/A | XXXX |  | $0.00 | XXXX |  | 10.59% | 10.59% | 10.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025, 2024 | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | HI | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 110194.10 | 32.5 | 329650.45 | 97.1 | No | 28.13 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155501 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $2433.46 | No |  | $7910.16 | $659.18 | $5760.96 | $480.08 | $0.00 | $0.00 | $0.00 | $3572.72 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.235 | 1.235 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 814 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 2257024.89 | 631.7 | 2257024.89 | 631.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2158652 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 31159.22 | 12/23/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 6.659% |  | 6.500% | 6.500% | $6047.68 | No |  | $14740.80 | $1228.40 | $3870.00 | $322.50 | $9540.00 | $795.00 | $0.00 | $8393.58 | $34530.53 | N/A | XXXX | CA | $795.00 | XXXX | Monthly | 22.99% | 23.06% | 23.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 70.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified - 2025 | Borrower - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 53666.07 | 6.4 | 60335.88 | 7.2 | No | 36.11 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155660 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.625% | 7.625% | $4114.05 | No |  | $1858.44 | $154.87 | $5719.92 | $476.66 | $0.00 | $0.00 | $0.00 | $4745.58 | $17209.41 | N/A | XXXX |  | $0.00 | XXXX |  | 37.96% | 37.96% | 37.96% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  |  | 0 |  |  |  |  | Yes | 12 | No |  |  | 0 | 0 |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - null Personal Tax Returns Verified, null Business Tax Returns Verified(), CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified - 2025, 2026 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified - 2025, 2026 | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | KS | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 65102.74 | 13.7 | 80602.44 | 17 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2155489 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 02/26/2026 | 5.990% | Manual Underwriting | Manual Underwriting | No | 6.573% |  | 6.500% | 6.500% | $5612.76 | No |  | $13875.00 | $1156.25 | $2085.96 | $173.83 | $0.00 | $0.00 | $0.00 | $6942.84 | $17731.00 | N/A | XXXX |  | $0.00 | XXXX |  | 28.51% | 28.14% | 28.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot act disclosure form | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 55562.79 | 8 | 55562.79 | 8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155490 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7968.75 | 03/02/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 7.061% |  | 7.000% | 7.000% | $2827.54 | No |  | $4509.24 | $375.77 | $0.00 | $0.00 | $8088.00 | $674.00 | $0.00 | $3877.31 | $9438.61 | Yes | XXXX | WA | $674.00 | XXXX | Monthly | 34.84% | 34.84% | 34.84% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 60 | No | Yes | Yes | 2 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | WA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1023779.00 | 264 | 1023779.00 | 264 | No | 72.65 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2155491 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $2149.92 | No |  | $7800.96 | $650.08 | $2097.96 | $174.83 | $0.00 | $0.00 | $0.00 | $2974.83 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.008 | 1.008 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 12754.81 | 4.3 | 12754.81 | 4.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2155504 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 25313.52 | 03/10/2026 | 6.020% | Manual Underwriting | Manual Underwriting | No | 7.509% |  | 7.375% | 7.375% | $4807.10 | No |  | $4517.52 | $376.46 | $6990.96 | $582.58 | $0.00 | $0.00 | $0.00 | $5766.14 | $114421.90 | N/A | XXXX |  | $0.00 | XXXX |  | 6.12% | 6.12% | 6.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2025 | Borrower - 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 135759.02 | 23.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155495 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $5777.34 | No |  | $3543.12 | $295.26 | $2652.36 | $221.03 | $0.00 | $0.00 | $0.00 | $6293.63 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.774 | 1.774 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Driving License | IA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 55952.30 | 8.9 | 55952.30 | 8.9 | No | 76.5 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2155488 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5700 | 03/02/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 7.232% |  | 7.000% | 7.000% | $1197.54 | No |  | $1239.48 | $103.29 | $1572.00 | $131.00 | $1440.00 | $120.00 | $0.00 | $1551.83 | $3949.93 | N/A | XXXX | AZ | $120.00 | XXXX | Monthly | 34.12% | 34.12% | 34.12% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1099 Verified | 2 YRS 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Other - 2 YRS 1099 Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 214753.72 | 138.4 | 214753.72 | 138.4 | No | 50 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155507 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 1300 | 03/10/2026 | 6.020% | Manual Underwriting | Manual Underwriting | No | 6.329% |  | 6.250% | 6.250% | $1579.93 | No |  | $17230.44 | $1435.87 | $2306.64 | $192.22 | $1055.04 | $87.92 | $0.00 | $3295.94 | $8324.45 | N/A | XXXX | TX | $87.92 | XXXX | Annually | 39.02% | 38.72% | 38.72% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 44145.76 | 13.4 | 44145.76 | 13.4 | No | 45.42 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2155659 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | $3281.25 | Yes | 23.990% | $13284.00 | $1107.00 | $2514.00 | $209.50 | $0.00 | $0.00 | $0.00 | $4597.75 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 1 - Not Stated Not Verified |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | Unknown | Unknown | Unknown |  | .00 |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.082 | 1.068 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 | 698 | 723 | 732 |  |  |  | 723 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NY | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 41318.36 | 9 | No | 72.58 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | Member on Behalf of Entity | N/A |  |  |  |  |
| 2158653 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4888.76 | 03/12/2026 | 6.020% | Manual Underwriting | Manual Underwriting | No | 7.450% |  | 7.250% | 7.250% | $1173.34 | No |  | $4050.84 | $337.57 | $461.04 | $38.42 | $1740.00 | $145.00 | $0.00 | $1694.33 | $20090.44 | N/A | XXXX | IL | $145.00 | XXXX | Monthly | 29.57% | 29.57% | 29.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 92.34% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, SSI and Disability, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025, 2024 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 78232.41 | 46.2 | 78232.41 | 46.2 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158659 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.125% | 7.125% | $3625.56 | No |  | $8331.00 | $694.25 | $4233.36 | $352.78 | $0.00 | $0.00 | $0.00 | $4672.59 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.081 | 1.081 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 116224.34 | 24.9 | No | 34.35 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158657 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 03/13/2026 | 6.020% | Manual Underwriting | Manual Underwriting | No | 8.546% |  | 8.500% | 8.500% | $5351.64 | No |  | $12027.36 | $1002.28 | $825.00 | $68.75 | $5892.00 | $491.00 | $0.00 | $6913.67 | $12863.35 | Yes | XXXX | CA | $491.00 | XXXX | Monthly | 40.82% | 40.82% | 40.82% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 55.83% | 100.00% | 100.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2026 \|\| Co Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act Disclosure | GA | United States of America | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 611024.86 | 88.4 | 611024.86 | 88.4 | No | 80 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2155512 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 46800 | 03/18/2026 | 6.120% | Manual Underwriting | Manual Underwriting | No | 8.077% |  | 7.750% | 7.750% | $11820.80 | No |  | $43355.88 | $3612.99 | $12844.56 | $1070.38 | $8580.00 | $715.00 | $0.00 | $17219.17 | $111141.99 | N/A | XXXX | FL | $715.00 | XXXX | Monthly | 33.68% | 33.68% | 33.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 643 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 787266.37 | 45.7 | 787266.37 | 45.7 | No | 50 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2154546 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $806.71 | No |  | $2131.56 | $177.63 | $628.68 | $52.39 | $0.00 | $0.00 | $0.00 | $1036.73 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.929 | 1.907 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 13742.09 | 13.3 | 13742.09 | 13.3 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158648 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $3073.88 | No |  | $14991.84 | $1249.32 | $3195.36 | $266.28 | $1299.96 | $108.33 | $0.00 | $4697.81 |  | N/A | XXXX | TX | $108.33 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.054 | 1.054 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 652 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 436160.23 | 92.8 | 436160.23 | 92.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155499 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $2266.44 | No |  | $5730.48 | $477.54 | $1353.24 | $112.77 | $0.00 | $0.00 | $0.00 | $2856.75 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.015 | 1.015 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 41336.37 | 14.5 | 41336.37 | 14.5 | No | 78.46 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2155502 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10725 | 03/04/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 7.018% |  | 6.875% | 6.875% | $2443.78 | No |  | $2417.76 | $201.48 | $1430.04 | $119.17 | $960.00 | $80.00 | $0.00 | $2844.43 | $6135.19 | N/A | XXXX | NV | $80.00 | XXXX | Monthly | 31.98% | 31.98% | 31.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 100436.56 | 35.3 | 100436.56 | 35.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158230 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $972.25 | No |  | $2886.00 | $240.50 | $975.00 | $81.25 | $0.00 | $0.00 | $0.00 | $1294.00 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.847 | 1.847 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14073.12 | 10.9 | 14073.12 | 10.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2155515 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $8893.08 | No |  | $24228.00 | $2019.00 | $7521.96 | $626.83 | $0.00 | $0.00 | $0.00 | $11538.91 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.04 | 1.04 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 213654.48 | 18.5 | 213654.48 | 18.5 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158664 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $699.31 | No |  | $2304.12 | $192.01 | $1431.48 | $119.29 | $2016.00 | $168.00 | $0.00 | $1178.61 |  | N/A | XXXX | TX | $168.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.099 | 1.099 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 57932.71 | 49.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155493 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13840 | 02/26/2026 | 5.990% | Manual Underwriting | Manual Underwriting | No | 6.902% |  | 6.625% | 6.625% | $4430.95 | No |  | $13368.84 | $1114.07 | $2287.44 | $190.62 | $1800.00 | $150.00 | $0.00 | $5885.64 | $25043.24 | N/A | XXXX | FL | $150.00 | XXXX | Monthly | 26.92% | 26.92% | 26.92% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 67.12% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | Work Number NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 \|\| Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 297597.21 | 50.6 | 297597.21 | 50.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2155511 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2537.50 | No |  | $6504.24 | $542.02 | $1087.44 | $90.62 | $0.00 | $0.00 | $0.00 | $3170.14 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.009 | 1.009 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 38223.27 | 12.1 | 38223.27 | 12.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158651 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $2360.90 | No |  | $3892.56 | $324.38 | $1791.96 | $149.33 | $0.00 | $0.00 | $0.00 | $2834.61 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.005 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Driving License | OR | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 354353.45 | 125 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2155510 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $2202.65 | No |  | $1887.36 | $157.28 | $1145.04 | $95.42 | $660.00 | $55.00 | $0.00 | $2510.35 |  | N/A | XXXX | AZ | $55.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.916 | 0.91 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 152432.51 | 60.7 | 152432.51 | 60.7 | No | 55.57 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2155514 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $4541.25 | No |  | $9276.84 | $773.07 | $8740.56 | $728.38 | $6504.00 | $542.00 | $0.00 | $6584.70 |  | N/A | XXXX | FL | $542.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.124 | 1.124 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1279452.49 | 194.3 | 1279452.49 | 194.3 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2155486 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12990 | 03/04/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 7.985% |  | 7.875% | 7.875% | $9652.49 | No |  | $19170.00 | $1597.50 | $8653.68 | $721.14 | $3225.00 | $268.75 | $0.00 | $12239.88 | $188245.10 | N/A | XXXX | GA | $268.75 | XXXX | Annually | 10.65% | 10.54% | 10.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 73576.65 | 6 | 73576.65 | 6 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158644 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 03/03/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 6.892% |  | 6.875% | 6.875% | $1718.75 | No |  | $2684.28 | $223.69 | $1112.04 | $92.67 | $4100.04 | $341.67 | $0.00 | $2376.78 | $5563.41 | N/A | XXXX | AZ | $341.67 | XXXX | Annually | 39.76% | 31.59% | 38.78% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SSI and Disability, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Award Letter Verified - 2025 \|\| Co Borrower - SSI and Disability, Retirement - 2 YRS Executed 4506T Verified, Award Letter Verified - 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 138913.33 | 58.4 | 437170.87 | 183.9 | No | 42.86 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 2158655 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $2300.60 | No |  | $6585.96 | $548.83 | $2305.44 | $192.12 | $0.00 | $0.00 | $0.00 | $3041.55 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.756 | 0.756 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 816 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NH | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 447621.37 | 147.2 | 447621.37 | 147.2 | No | 66.62 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2161439 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $709.30 | No |  | $3647.40 | $303.95 | $1211.04 | $100.92 | $0.00 | $0.00 | $0.00 | $1114.17 |  | N/A | XXXX |  | $0.00 | XXXX |  | 145.77% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.185 | 1.185 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 677 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 82510.84 | 74.1 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2161437 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $3221.75 | No |  | $5097.48 | $424.79 | $3117.00 | $259.75 | $807.00 | $67.25 | $0.00 | $3973.54 |  | N/A | XXXX | AZ | $67.25 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 0.83 | 0.83 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 552134.18 | 139 | 552134.18 | 139 | No | 58.44 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 2155661 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1207.15 | Yes | 18.000% | $5344.80 | $445.40 | $2088.96 | $174.08 | $0.00 | $0.00 | $0.00 | $1826.63 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.089 | 1.089 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 23155.29 | 12.7 | 23155.29 | 12.7 | No | 64.31 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2158646 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5040 | 03/03/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 6.875% |  | 6.750% | 6.750% | $3463.51 | No |  | $3387.84 | $282.32 | $6330.24 | $527.52 | $0.00 | $0.00 | $0.00 | $4273.35 | $11581.08 | N/A | XXXX |  | $0.00 | XXXX |  | 32.70% | 32.70% | 32.70% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 72.49% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15577.06 | 3.7 | 15577.06 | 3.7 | No | 69.8 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2161440 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1104.16 | No |  | $2663.76 | $221.98 | $1010.04 | $84.17 | $2364.00 | $197.00 | $0.00 | $1607.31 |  | Yes | XXXX | IL | $197.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.104 | 1.108 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1498.31 | 0.9 | 59938.13 | 37.3 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2155663 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1037.66 | Yes | 23.990% | $3659.40 | $304.95 | $1157.04 | $96.42 | $0.00 | $0.00 | $0.00 | $1439.03 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.459 | 1.459 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 187042.86 | 130 | 219261.70 | 152.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2158667 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.750% | 6.750% | $4047.25 | No |  | $2929.80 | $244.15 | $1647.96 | $137.33 | $21912.00 | $1826.00 | $0.00 | $6254.73 |  | Yes | XXXX | CO | $1826.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 113141.09 | 18.1 | 113141.09 | 18.1 | No | 69.33 | No | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2155662 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1094.51 | Yes | 23.990% | $3746.76 | $312.23 | $1494.00 | $124.50 | $0.00 | $0.00 | $0.00 | $1531.24 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.698 | 1.698 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NY | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11628.59 | 7.6 | 162483.70 | 106.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 2158273 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.625% | 7.625% | $2530.36 | No |  | $3004.68 | $250.39 | $3203.04 | $266.92 | $0.00 | $0.00 | $0.00 | $3047.67 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.066 | 1.09 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | WA | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 56380.50 | 18.5 | 56380.50 | 18.5 | No | 74.63 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 2158647 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4321 | 02/20/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 7.218% |  | 7.125% | 7.125% | $4716.03 | No |  | $2532.00 | $211.00 | $3075.96 | $256.33 | $0.00 | $0.00 | $0.00 | $5183.36 | $10383.02 | N/A | XXXX |  | $0.00 | XXXX |  | 42.56% | 42.56% | 42.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 206718.19 | 39.9 | 16718.19 | 3.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158660 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7803.4 | 03/12/2026 | 6.020% | Manual Underwriting | Manual Underwriting | No | 7.784% |  | 7.625% | 7.625% | $1557.15 | No |  | $2208.36 | $184.03 | $1777.68 | $148.14 | $308.04 | $25.67 | $0.00 | $1914.99 | $4119.97 | N/A | XXXX | TX | $25.67 | XXXX | Annually | 35.52% | 35.12% | 35.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 54904.08 | 28.7 | 54904.08 | 28.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158666 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1136.39 | No |  | $4497.96 | $374.83 | $411.24 | $34.27 | $0.00 | $0.00 | $0.00 | $1545.49 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.181 | 1.181 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 23001.53 | 14.9 | 23001.53 | 14.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158665 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13217.65 | 03/26/2026 | 6.220% | Manual Underwriting | Manual Underwriting | No | 8.851% |  | 8.500% | 8.500% | $2152.96 | No |  | $7965.00 | $663.75 | $2671.44 | $222.62 | $0.00 | $0.00 | $0.00 | $3031.63 | $8316.05 | N/A | XXXX |  | $0.00 | XXXX |  | 48.16% | 47.97% | 47.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 90.62% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 657 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 19174.08 | 6.3 | 19174.08 | 6.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158662 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1510.42 | No |  | $2342.16 | $195.18 | $282.96 | $23.58 | $7056.00 | $588.00 | $0.00 | $2317.18 |  | Yes | XXXX | DC | $588.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.057 | 1.057 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | DC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 43892.98 | 18.9 | 206437.89 | 89.1 | No | 73.53 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158661 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $1546.83 | No |  | $5471.16 | $455.93 | $2678.04 | $223.17 | $0.00 | $0.00 | $0.00 | $2225.93 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.303 | 1.224 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 58566.40 | 26.3 | 58566.40 | 26.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2158663 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $4475.57 | No |  | $8759.40 | $729.95 | $3334.80 | $277.90 | $0.00 | $0.00 | $0.00 | $5483.42 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.003 | 1.003 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 50045.75 | 9.1 | 50045.75 | 9.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2158658 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5705 | 03/24/2026 | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.624% |  | 7.250% | 7.250% | $1467.36 | No |  | $2499.96 | $208.33 | $4356.84 | $363.07 | $0.00 | $0.00 | $0.00 | $2038.76 | $3406.37 | N/A | XXXX |  | $0.00 | XXXX |  | 38.39% | 38.39% | 38.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 33720.13 | 16.5 | 33720.13 | 16.5 | No | 71.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2158668 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.375% | 8.375% | $1168.61 | No |  | $4265.88 | $355.49 | $1937.04 | $161.42 | $0.00 | $0.00 | $0.00 | $1685.52 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.139 | 1.153 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 54439.05 | 32.3 | 54439.05 | 32.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2158298 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1912.89 | Yes | 23.990% | $5004.96 | $417.08 | $672.00 | $56.00 | $15372.00 | $1281.00 | $0.00 | $3666.97 |  | Yes | XXXX | SC | $1281.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.002 | 1.002 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 15520.29 | 4.2 | 65767.32 | 17.9 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2158299 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1827.90 | Yes | 18.000% | $4588.68 | $382.39 | $1277.40 | $106.45 | $12144.00 | $1012.00 | $0.00 | $3266.74 |  | Yes | XXXX | FL | $1012.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.862 | 1.425 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 83400.45 | 25.5 | 83400.45 | 25.5 | No | 74.2 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2161438 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $711.93 | No |  | $1020.60 | $85.05 | $908.04 | $75.67 | $0.00 | $0.00 | $0.00 | $872.65 |  | N/A | XXXX |  | $0.00 | XXXX |  | 79.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.719 | 1.719 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 89536.97 | 102.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2161481 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $474.97 | Yes | 23.990% | $634.44 | $52.87 | $822.36 | $68.53 | $0.00 | $0.00 | $0.00 | $596.37 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.752 | 1.7 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 36630.92 | 61.4 | 36630.92 | 61.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2161488 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $623.72 | Yes | 23.990% | $1417.68 | $118.14 | $1000.92 | $83.41 | $0.00 | $0.00 | $0.00 | $825.27 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.454 | 1.454 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 43617.51 | 52.9 | 43617.51 | 52.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2161487 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $693.88 | Yes | 23.990% | $1518.48 | $126.54 | $395.76 | $32.98 | $5669.64 | $472.47 | $0.00 | $1325.87 |  | Yes | XXXX | NJ | $472.47 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.263 | 1.244 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 17749.08 | 13.5 | 49566.88 | 37.6 | No | 65 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2161489 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.375% | 7.375% | $898.83 | Yes | 23.990% | $1800.48 | $150.04 | $644.04 | $53.67 | $8753.40 | $729.45 | $0.00 | $1831.99 |  | Yes | XXXX | NJ | $729.45 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.201 | 1.201 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14869.84 | 8.1 | 150226.71 | 82 | No | 65 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2161483 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $703.08 | Yes | 23.990% | $2411.64 | $200.97 | $591.96 | $49.33 | $7104.00 | $592.00 | $0.00 | $1545.38 |  | Yes | XXXX | NJ | $592.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.1 | 1.1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 14869.84 | 9.6 | 119145.90 | 77.1 | No | 65 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2161482 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.875% | 7.875% | $565.55 | Yes | 23.990% | $297.48 | $24.79 | $1527.96 | $127.33 | $0.00 | $0.00 | $0.00 | $717.67 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.742 | 1.742 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1250.54 | 1.7 | 70987.21 | 98.9 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2163606 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 15680 | 04/17/2026 | 6.370% | Manual Underwriting | Manual Underwriting | No | 7.439% |  | 7.125% | 7.125% | $4323.59 | No |  | $10014.96 | $834.58 | $1362.00 | $113.50 | $0.00 | $0.00 | $0.00 | $5271.67 | $22868.82 | N/A | XXXX |  | $0.00 | XXXX |  | 41.11% | 41.11% | 41.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 105847.23 | 20.1 | 105847.23 | 20.1 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 2161490 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $904.17 | Yes | 23.990% | $4034.04 | $336.17 | $1360.08 | $113.34 | $0.00 | $0.00 | $0.00 | $1353.68 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.166 | 1.166 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | MN | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 160265.14 | 118.4 | 173657.74 | 128.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2163607 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 25527.09 | 04/20/2026 | 6.300% | Manual Underwriting | Manual Underwriting | No | 7.560% |  | 7.375% | 7.375% | $4399.60 | No |  | $12257.16 | $1021.43 | $8870.04 | $739.17 | $0.00 | $0.00 | $0.00 | $6160.20 | $22437.80 | N/A | XXXX |  | $0.00 | XXXX |  | 42.74% | 43.19% | 43.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 | Borrower - 2025, 2026 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 57800.43 | 9.4 | 57800.43 | 9.4 | No | 84.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 2161484 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $3250.00 | Yes | 23.990% | $8658.72 | $721.56 | $2324.04 | $193.67 | $0.00 | $0.00 | $0.00 | $4165.23 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.008 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1369434.02 | 328.8 | 1380189.76 | 331.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2161485 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $3215.63 | Yes | 23.990% | $7805.16 | $650.43 | $2040.96 | $170.08 | $0.00 | $0.00 | $0.00 | $4036.14 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.119 | 1.119 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1367686.39 | 338.9 | 1380000.16 | 341.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2161486 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.625% | 7.625% | $2684.64 | Yes | 23.990% | $15716.88 | $1309.74 | $2322.00 | $193.50 | $0.00 | $0.00 | $0.00 | $4187.88 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale,Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.003 | 1.003 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1378359.21 | 329.1 | 1381365.71 | 329.9 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 2163608 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 11257.5 | 04/21/2026 | 6.300% | Manual Underwriting | Manual Underwriting | No | 7.876% |  | 7.625% | 7.625% | $2420.65 | No |  | $5096.88 | $424.74 | $5290.92 | $440.91 | $350.04 | $29.17 | $0.00 | $3315.47 | $8264.39 | N/A | XXXX | TX | $29.17 | XXXX | Annually | 41.90% | 43.43% | 43.43% | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 91.76% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 \|\| Co Borrower - SSI and Disability | Borrower - 2025, 2026 \|\| Co Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 40111.68 | 12.1 | 40111.68 | 12.1 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report | Multi Property Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Record ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property ID** | **Loan Status** | **Loan Status Date** | **Originator** | **Property Address** | **City** | **State** | **Zip Code** | **Original Balance** | **Allocation Percent** | **Primary Appraisal Date** | **Owner Occupancy** | **Property Type** | **Primary Appraisal Value** | **Primary Appraisal Type** | **LTV** | **Reviewed Appraised Value** | **Reviewed Appraisal Type** | **Property Units** | **P&I Payment** | **T & I & A Payment** | **Monthly Taxes** | **Monthly Insurance** | **Property Acquisition Date** | **Property Acquisition Price** | **Rent** | **Type of Rent to Qualify** | **Rent in Place from Lease** | **Short Term Rent** | **Short Term Rent Source** | **Short Term Rent Term** | **Short Term Rent Term Number** | **Third Party Market Rent Estimate** | **Third Party Market Rent Source** | **Rented Flag** | **Annual HOA** | **Property Condition** | **Year Built** | **DSCR** | **Loan Release Provision** | **Percent Paydown for Release** | **Release Paydown Amount** | **Title Held As** |
| XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  | XXXX |  | 75 | XXXX |  | 6 | $7060.43 | $1938.42 | $1066.40 | $872.02 |  |  | $10550.00 |  | $10755.00 | $0.00 |  |  |  | $10700.00 |  |  |  |  |  | 1.172 | Percent of Original Allocated Balance | 120 |  |  |
| XXXX | XXXX |  |  | XXXX | Loan Review Complete | 05/06/2026 | XXXX | XXXX | XXXX | LA | XXXX |  |  | XXXX | Investment | Single Family Detached | XXXX | 1004 URAR |  | XXXX | Desk Review | 1 | $0.00 | $347.32 | $180.65 | $166.67 |  | XXXX | $1800.00 | Appraisal - 1007 | $1820.00 | $0.00 |  |  |  | $1800.00 | Appraisal - 1007 | Y |  | C2 | XXXX | 5.18 |  |  |  | Fee Simple |
| XXXX | XXXX |  |  | XXXX | Loan Review Complete | 05/06/2026 | XXXX | XXXX | XXXX | LA | XXXX |  |  | XXXX | Investment | Single Family Detached | XXXX | 1004 URAR |  | XXXX | Desk Review | 1 | $0.00 | $347.32 | $180.65 | $166.67 |  | XXXX | $1750.00 | Appraisal - 1007 | $1890.00 | $0.00 |  |  |  | $1750.00 | Appraisal - 1007 | Y |  | C2 | XXXX | 5.04 |  |  |  | Fee Simple |
| XXXX | XXXX |  |  | XXXX | Loan Review Complete | 05/06/2026 | XXXX | XXXX | XXXX | LA | XXXX |  |  | XXXX | Investment | Single Family Detached | XXXX | 1004 URAR |  | XXXX | Desk Review | 1 | $0.00 | $329.02 | $162.35 | $166.67 |  | XXXX | $1750.00 | Actual In Place Rent | $1750.00 | $0.00 |  |  |  | $1800.00 | Appraisal - 1007 | Y |  | C2 | XXXX | 5.32 |  |  |  | Fee Simple |
| XXXX | XXXX |  |  | XXXX | Loan Review Complete | 05/06/2026 | XXXX | XXXX | XXXX | LA | XXXX |  |  | XXXX | Investment | Single Family Detached | XXXX | 1004 URAR |  | XXXX | Desk Review | 1 | $0.00 | $347.32 | $180.65 | $166.67 |  | XXXX | $1750.00 | Actual In Place Rent | $1750.00 | $0.00 |  |  |  | $1800.00 | Appraisal - 1007 | Y |  | C2 | XXXX | 5.04 |  |  |  | Fee Simple |
| XXXX | XXXX |  |  | XXXX | Loan Review Complete | 05/06/2026 | XXXX | XXXX | XXXX | LA | XXXX |  |  | XXXX | Investment | Single Family Detached | XXXX | 1004 URAR |  | XXXX | Desk Review | 1 | $0.00 | $283.32 | $180.65 | $102.67 |  | XXXX | $1750.00 | Actual In Place Rent | $1750.00 | $0.00 |  |  |  | $1800.00 | Appraisal - 1007 | Y |  | C2 | XXXX | 6.18 |  |  |  | Fee Simple |
| XXXX | XXXX |  |  | XXXX | Loan Review Complete | 05/06/2026 | XXXX | XXXX | XXXX | LA | XXXX |  |  | XXXX | Investment | Single Family Detached | XXXX | 1004 URAR |  | XXXX | Desk Review | 1 | $0.00 | $284.12 | $181.45 | $102.67 |  | XXXX | $1750.00 | Appraisal - 1007 | $1795.00 | $0.00 |  |  |  | $1750.00 | Appraisal - 1007 | Y |  | C2 | XXXX | 6.16 |  |  |  | Fee Simple |
| XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  | XXXX |  | 75 | XXXX |  | 7 | $7925.50 | $2209.82 | $1235.13 | $974.69 |  |  | $12250.00 |  | $10990.00 | $0.00 |  |  |  | $12250.00 |  |  |  |  |  | 1.209 | Percent of Original Allocated Balance | 120 |  |  |
| XXXX | XXXX |  |  | XXXX | Loan Review Complete | 04/01/2026 | XXXX | XXXX | XXXX | LA | XXXX |  |  | XXXX | Investment | Single Family Detached | XXXX | 1004 URAR |  | XXXX | Desk Review | 1 | $0.00 | $284.12 | $181.45 | $102.67 |  | XXXX | $1750.00 | Appraisal - 1007 | $1820.00 | $0.00 |  |  |  | $1750.00 | Appraisal - 1007 | Y |  | C2 | XXXX | 6.16 |  |  |  | Fee Simple |
| XXXX | XXXX |  |  | XXXX | Loan Review Complete | 04/01/2026 | XXXX | XXXX | XXXX | LA | XXXX |  |  | XXXX | Investment | Single Family Detached | XXXX | 1004 URAR |  | XXXX | Desk Review | 1 | $0.00 | $348.12 | $181.45 | $166.67 |  | XXXX | $1750.00 | Appraisal - 1007 | $1865.00 | $0.00 |  |  |  | $1750.00 | Appraisal - 1007 | Y |  | C2 | XXXX | 5.03 |  |  |  | Fee Simple |
| XXXX | XXXX |  |  | XXXX | Loan Review Complete | 04/01/2026 | XXXX | XXXX | XXXX | LA | XXXX |  |  | XXXX | Investment | Single Family Detached | XXXX | 1004 URAR |  | XXXX | Desk Review | 1 | $0.00 | $348.12 | $181.45 | $166.67 |  | XXXX | $1750.00 | Appraisal - 1007 | $1890.00 | $0.00 |  |  |  | $1750.00 | Appraisal - 1007 | Y |  | C2 | XXXX | 5.03 |  |  |  | Fee Simple |
| XXXX | XXXX |  |  | XXXX | Loan Review Complete | 04/01/2026 | XXXX | XXXX | XXXX | LA | XXXX |  |  | XXXX | Investment | Single Family Detached | XXXX | 1004 URAR |  | XXXX | Desk Review | 1 | $0.00 | $284.12 | $181.45 | $102.67 |  | XXXX | $1750.00 | Appraisal - 1007 | $1820.00 | $0.00 |  |  |  | $1750.00 | Appraisal - 1007 | Y |  | C2 | XXXX | 6.16 |  |  |  | Fee Simple |
| XXXX | XXXX |  |  | XXXX | Loan Review Complete | 04/01/2026 | XXXX | XXXX | XXXX | LA | XXXX |  |  | XXXX | Investment | Single Family Detached | XXXX | 1004 URAR |  | XXXX | Desk Review | 1 | $0.00 | $284.12 | $181.45 | $102.67 |  | XXXX | $1750.00 | Appraisal - 1007 | $1845.00 | $0.00 |  |  |  | $1750.00 | Appraisal - 1007 | Y |  | C2 | XXXX | 6.16 |  |  |  | Fee Simple |
| XXXX | XXXX |  |  | XXXX | Loan Review Complete | 04/01/2026 | XXXX | XXXX | XXXX | LA | XXXX |  |  | XXXX | Investment | Single Family Detached | XXXX | 1004 URAR |  | XXXX | Desk Review | 1 | $0.00 | $330.61 | $163.94 | $166.67 |  | XXXX | $1750.00 | Actual In Place Rent | $1750.00 | $0.00 |  |  |  | $1750.00 | Appraisal - 1007 | Y |  | C2 | XXXX | 5.29 |  |  |  | Fee Simple |
| XXXX | XXXX |  |  | XXXX | Loan Review Complete | 04/01/2026 | XXXX | XXXX | XXXX | LA | XXXX |  |  | XXXX | Investment | Single Family Detached | XXXX | 1004 URAR |  | XXXX | Desk Review | 1 | $0.00 | $330.61 | $163.94 | $166.67 |  | XXXX | $1750.00 | Appraisal - 1007 | $0.00 | $0.00 |  |  |  | $1750.00 | Appraisal - 1007 | N |  | C2 | XXXX | 5.29 |  |  |  | Fee Simple |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 |
| 2018534 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 2071 | Actual In Place Rent | No | 98.89 | 1.011 | 1.011 | 2047.99 | 2071 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 194900 |  | 0 |  | 2071 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 22.35 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2098700 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1750 | Appraisal - 1007 | No | 95.09 | 1.052 | 1.052 | 1664.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  | 0 |  | 1750 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 602.37 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2126853 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 5000 | Appraisal - 1025 | No | 97.49 | 0 | 0 | 4874.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 56000 |  | 500000 |  | 5000 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 49.61 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | Tenant |
| 2124101 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1100 | Appraisal - 1007 | No | 61.57 | 1.624 | 1.624 | 677.25 | 1300 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11998 |  | 65000 | 0 | 1100 |  |  |  |  |  |  | No | No | 1.4 | 3 | 1 | N/A | 50.1 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2137681 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 2040 | Appraisal - 1007 | No | 52.19 | 1.916 | 1.916 | 1064.62 | 1700 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 140000 |  | 2040 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 98.51 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2140102 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No - Vacant | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  | Actual In Place Rent | No |  | 0 | 0 | 2325.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 74650 |  | 378000 |  | 0 |  |  |  |  |  |  | No | No | 2.6 | 1 | 1 | N/A | 121.51 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | Owner |
| 2137687 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 2100 | Appraisal - 1007 | No | 92.07 | 1.086 | 1.086 | 1933.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 2100 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 86.3 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | Tenant |
| 2137707 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 2900 | Appraisal - 1007 | No | 97.16 | 1.029 | 1.029 | 2817.76 | 3000 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 135000 |  | 2900 |  |  |  |  |  |  | No | No | 9.8 | 1 | 1 | N/A | 22.57 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  | XXXX | Tenant |
| 2137690 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 3200 | Appraisal - 1007 | No | 91.96 | 1.03 | 1.087 | 2942.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 54900 |  |  |  | 3200 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 13.33 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX | Vacant |
| 2137696 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1075 | Appraisal - 1007 | No | 127.07 | 0.787 | 0.787 | 1365.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13500 |  | 130000 |  | 1075 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 37.36 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 2137684 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 3200 | Appraisal - 1007 | No | 125.81 | 0.795 | 0.795 | 4025.83 | 3200 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 277000 |  |  |  | 3200 |  |  |  |  |  |  | No | No | 6.3 | 1 | 1 | N/A | 25.17 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2140111 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 7200 | Appraisal - 1025 | No | 89.4 | 1.119 | 1.119 | 6436.73 | 4200 | XXXX | 12 | 3100 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 86400 | 0 | 960000 | 0 | 7200 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 2.5 | 1 | 1 | N/A | 6.26 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2140016 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 2990 | Appraisal - 1025 | No | 46.37 | 2.2 | 2.157 | 1386.36 | 695 | XXXX | 12 | 695 | XXXX | 12 | 620 | XXXX | 12 | 995 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 37860 |  | 160000 |  | 2990 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 479.56 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2143061 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 1855 | Actual In Place Rent | No | 64.53 | 1.664 | 1.664 | 1114.75 | 855 | XXXX | 12 | 1000 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22260 |  | 175000 |  | 1855 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 546.97 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2140017 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 3000 | Appraisal - 1025 | No | 45.11 | 1.766 | 2.217 | 1353.44 | 1595 | XXXX | 12 | 1495 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37080 |  | 132500 |  | 3000 |  |  |  |  |  |  | No | No | 3.6 | 1 | 1 | N/A | 469.78 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2140110 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 3000 | Appraisal - 1007 | No | 84.99 | 1.177 | 1.184 | 2533.13 | 3000 | XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40200 |  | 0 | 0 | 3000 |  |  |  |  |  |  | No | No | 1.9 | 1 | 1 | N/A | 79.99 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2158649 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 2650 | Appraisal - 1007 | No | 99.94 | 1.001 | 1.001 | 2648.42 | 2700 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 10 | 0 | 2650 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 1.9 | 1 | 1 | N/A | 75.12 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2143987 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1500 | Appraisal - 1007 | No | 88.13 | 1.142 | 1.135 | 1321.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1500 |  |  |  |  |  |  | No | No | 3.5 | 2 | 1 | N/A | 10.7 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2140083 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1550 | Appraisal - 1007 | No | 76.71 | 1.304 | 1.304 | 1188.96 | 1600 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 71320 |  |  |  | 1550 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 38.76 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 2147747 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 2000 | Appraisal - 1025 | No | 56.09 |  | 1.783 | 1121.76 | 1195 | XXXX | 12 | 1195 |  | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14340 |  | 82000 |  | 2000 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 589.82 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2147748 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1500 | Actual In Place Rent | No | 86.27 | 1.159 | 1.159 | 1293.98 | 1500 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42536 |  | 0 |  | 1500 |  |  |  |  |  |  | No | No | 3.3 | 1 | 1 | N/A | 21.35 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  | XXXX | Tenant |
| 2151698 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 3000 | Actual In Place Rent | No | 99.15 | 1.009 | 1.009 | 2974.54 | 3000 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3000 |  |  |  |  |  |  | No | No | 12.3 | 1 | 1 | N/A | 103.41 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | Tenant |
| 2151892 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present |  | XXXX | XXXX |  | XXXX | XXXX |  |  | 10550 |  | No | 85.3 | 1.178 | 1.172 | 8998.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10550 |  |  |  |  |  |  |  | Yes |  | 13 | 6 | N/A | 155.21 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | Full Recourse | XXXX |  |
| 2158295 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present |  | XXXX | XXXX |  | XXXX | XXXX |  |  | 12250 |  | No | 82.74 | 1.192 | 1.209 | 10135.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12250 |  |  |  |  |  |  |  | Yes |  | 13 | 7 | N/A | 138.2 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | Full Recourse | XXXX |  |
| 2155496 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No - Owner Occupied | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 5695 | Appraisal - 1007 | No | 123.33 | 0 | 0 | 7023.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 74900 |  |  |  | 5695 |  |  |  |  |  |  | No | No | 4.9 | 1 | 1 | N/A | 46.93 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX | Owner |
| 2151705 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 2950 | Appraisal - 1007 | No | 98.84 | 1.012 | 1.012 | 2915.79 | 2950 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46700 |  |  |  | 2950 |  |  |  |  |  |  | No | No | 5.4 | 1 | 1 | N/A | 6.15 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | Tenant |
| 2155501 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX | 12 |  | 4343.5 | AirDNA | Yes | 82.25 | 1.235 | 1.235 | 3572.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 75000 |  | 600000 |  | 4343.5 |  |  |  |  |  |  | No | No | 2.8 | 1 | 1 | N/A | 631.74 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2155660 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No - Vacant | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 3500 | Appraisal - 1007 | No | 135.59 |  | 0 | 4745.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 58500 |  |  |  | 3500 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 16.98 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2155491 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 3000 | Appraisal - 1007 | No | 99.16 | 1.008 | 1.008 | 2974.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 190000 |  | 3000 |  |  |  |  |  |  | No | No | 30.3 | 1 | 1 | N/A | 4.29 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2155495 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX | 12 |  | 11165.64 | Airbnb | Yes | 56.37 | 1.774 | 1.774 | 6293.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52240 |  | 800000 |  | 11165.64 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 8.89 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2155659 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 4975 | Actual In Place Rent | No | 92.42 | 1.068 | 1.082 | 4597.75 | 1725 | XXXX | 12 | 1450 | XXXX | 12 | 1800 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52200 |  |  |  | 4975 |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 8.99 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | Full Recourse | XXXX | Tenant |
| 2158659 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 5050 | Actual In Place Rent | No | 92.53 | 1.081 | 1.081 | 4672.59 | 5050 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 70000 |  |  |  | 5050 |  |  |  |  |  |  | No | No | 20.1 | 1 | 1 | N/A | 24.87 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | Tenant |
| 2154546 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Owner Occupied | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 2000 | Appraisal - 1007 | No | 51.84 | 1.907 | 1.929 | 1036.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 74567.6 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 10 | 1 | 1 | N/A | 13.26 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | Owner |
| 2158648 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 4950 | Appraisal - 1007 | No | 94.91 | 1.054 | 1.054 | 4697.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4950 |  |  |  |  |  |  | No | No | 2.1 | 1 | 1 | N/A | 92.84 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  | XXXX | Vacant |
| 2155499 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 2900 | Actual In Place Rent | No | 98.51 | 1.015 | 1.015 | 2856.75 | 2900 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47817 |  |  |  | 2900 |  |  |  |  |  |  | No | No | 1 | 1 | 1 | N/A | 14.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2158230 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 2390 | Actual In Place Rent | No | 54.14 | 1.847 | 1.847 | 1294 | 1195 | XXXX | 12 | 1195 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28680 | 0 | 148000 |  | 2390 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 2.5 | 1 | 1 | N/A | 10.88 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2155515 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 12000 | Appraisal - 1007 | No | 96.16 | 1.04 | 1.04 | 11538.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 63700 |  |  |  | 12000 |  |  |  |  |  |  | No | No | 3.7 | 1 | 1 | N/A | 18.52 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2158664 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1295 | Appraisal - 1007 | No | 91.01 | 1.099 | 1.099 | 1178.61 | 1500 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  | 0 |  | 1295 |  |  |  |  |  |  | No | No | 1.4 | 1 | 1 | N/A | 49.15 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | Tenant |
| 2155511 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 3200 | Actual In Place Rent | No | 99.07 | 1.009 | 1.009 | 3170.14 | 3200 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42300 |  |  |  | 3200 |  |  |  |  |  |  | No | No | 4 | 1 | 1 | N/A | 12.06 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX | Vacant |
| 2158651 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 2850 | Actual In Place Rent | No | 99.46 | 1 | 1.005 | 2834.61 | 2000 | XXXX | 1 | 850 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46512 |  |  |  | 2850 |  |  |  |  |  |  | No | No | 29.2 | 1 | 1 | N/A | 125.01 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX | Tenant |
| 2155510 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 2300 | Appraisal - 1007 | No | 109.15 | 0.91 | 0.916 | 2510.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27600 |  |  |  | 2300 |  |  |  |  |  |  | No | No | 3.6 | 1 | 1 | N/A | 60.72 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | Vacant |
| 2155514 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Owner Occupied | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 7400 | Appraisal - 1007 | No | 88.98 | 1.124 | 1.124 | 6584.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 130400 |  |  |  | 7400 |  |  |  |  |  |  | No | No | 4.1 | 1 | 1 | N/A | 194.31 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | Owner |
| 2158655 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 2300 | Appraisal - 1007 | No | 132.24 | 0.756 | 0.756 | 3041.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 320000 |  | 2300 |  |  |  |  |  |  | No | No | 2.5 | 1 | 1 | N/A | 147.17 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2161439 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 1320 | Appraisal - 1025 | No | 84.41 | 1.185 | 1.185 | 1114.17 | 650 | XXXX | 12 | 1300 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 56800 |  |  |  | 1320 |  |  |  |  |  |  | No | No | 5.1 | 1 | 1 | N/A | 74.06 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | Tenant |
| 2161437 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 3300 | Actual In Place Rent | No | 120.41 | 0.83 | 0.83 | 3973.54 | 3300 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 68950 |  |  |  | 3300 |  |  |  |  |  |  | No | No | 3.2 | 1 | 1 | N/A | 138.95 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 2155661 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1990 | Actual In Place Rent | No | 91.79 | 1.089 | 1.089 | 1826.63 | 1990 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50160 |  | 255000 |  | 1990 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 12.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2161440 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1775 | Actual In Place Rent | No | 90.55 | 1.108 | 1.104 | 1607.31 | 1775 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11000 |  | 103000 |  | 1775 |  |  |  |  |  |  | No | No | 1 | 1 | 1 | N/A | 37.29 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2155663 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 2100 | Appraisal - 1007 | No | 68.53 | 1.459 | 1.459 | 1439.03 | 3769 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55000 |  | 229000 | 0 | 2100 |  |  |  |  |  |  | No | No | 0.7 | 2 | 1 | N/A | 152.37 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2158667 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | XXXX | XXXX | N/A | XXXX | XXXX | 12 |  | 6258.33 | AirDNA | Yes | 99.94 | 1.001 | 1.001 | 6254.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 | 0 | 0 | 0 | 6258.33 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 18.09 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX | Owner |
| 2155662 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 2600 | Appraisal - 1025 | No | 58.89 | 1.698 | 1.698 | 1531.24 | 1575 | XXXX | 12 | 1275 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 2600 |  |  |  |  |  |  | No | No | 7.3 | 1 | 1 | N/A | 106.11 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 2158273 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | XXXX | XXXX | Rent Estimate - Other | XXXX | XXXX |  |  | 3249.33 | Rent Estimate - Other | No | 93.79 | 1.09 | 1.066 | 3047.67 | 975 | XXXX |  | 975 |  |  | 925 |  |  | 1025 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19495.98 |  |  |  | 3249.33 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 18.5 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  | XXXX | Tenant |
| 2158666 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1825 | Appraisal - 1007 | No | 84.68 | 1.181 | 1.181 | 1545.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13636.68 |  | 155000 |  | 1825 |  |  |  |  |  |  | No | No | 2.5 | 1 | 1 | N/A | 14.88 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | Vacant |
| 2158662 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 2450 | Appraisal - 1007 | No | 94.58 | 1.057 | 1.057 | 2317.18 | 2200 | XXXX | 2200 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2450 |  |  |  |  |  |  | No | No | 3.2 | 1 | 1 | N/A | 89.09 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | Tenant |
| 2158661 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 2900 | Appraisal - 1025 | No | 76.76 | 1.224 | 1.303 | 2225.93 | 1600 | XXXX | 12 | 1600 | XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33580 | 0 | 0 | 0 | 2900 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.1 | 1 | 1 | N/A | 26.31 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2158663 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 5500 | Appraisal - 1025 | No | 99.7 | 1.003 | 1.003 | 5483.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37500 |  |  |  | 5500 |  |  |  |  |  |  | No | No | 14.7 | 1 | 1 | N/A | 9.13 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2158668 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1920 | Appraisal - 1007 | No | 87.79 | 1.153 | 1.139 | 1685.52 | 2084.56 | XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 1920 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 32.3 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2158298 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | XXXX | XXXX | N/A | XXXX | XXXX | 12 |  | 3675 | AirDNA | Yes | 99.78 | 1.002 | 1.002 | 3666.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 3675 |  |  |  |  |  |  | No | No | 28.7 | 1 | 1 | N/A | 17.93 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2158299 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | N/A | XXXX | XXXX | 12 |  | 6083 | Airbnb | Yes | 53.7 | 1.425 | 1.862 | 3266.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 6083 |  |  |  |  |  |  | No | No | 8.3 | 1 | 1 | N/A | 25.53 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2161438 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1500 | Appraisal - 1007 | No | 58.18 | 1.719 | 1.719 | 872.65 | 1600 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38153 |  |  |  | 1500 |  |  |  |  |  |  | No | No | 3.2 | 1 | 1 | N/A | 102.6 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | Full Recourse | XXXX | Vacant |
| 2161481 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1045 | Actual In Place Rent | No | 57.07 | 1.7 | 1.752 | 596.37 | 1045 | XXXX | 215 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11998.27 |  |  |  | 1045 |  |  |  |  |  |  | No | No | 1.7 | 1 | 1 | N/A | 61.42 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2161488 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1200 | Appraisal - 1007 | No | 68.77 | 1.454 | 1.454 | 825.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12006 |  | 610000 |  | 1200 |  |  |  |  |  |  | No | No | 1.7 | 1 | 1 | N/A | 52.85 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2161487 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1675 | Actual In Place Rent | No | 78.77 | 1.244 | 1.263 | 1325.87 | 1675 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20100 |  | 78500 |  | 1675 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 37.57 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2161489 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 2200 | Appraisal - 1007 | No | 83.27 | 1.201 | 1.201 | 1831.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13200 |  | 175000 |  | 2200 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 82 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 2161483 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1700 | Actual In Place Rent | No | 90.9 | 1.1 | 1.1 | 1545.38 | 1700 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20400 |  | 157500 | 0 | 1700 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 77.1 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2161482 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1250 | Actual In Place Rent | No | 57.41 | 1.742 | 1.742 | 717.67 | 1250 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  | 25000 |  | 1250 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 98.91 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2161490 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | XXXX |  |  | 1578 | Actual In Place Rent | No | 85.78 | 1.166 | 1.166 | 1353.68 | 1578 | XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15780 |  |  |  | 1578 |  |  |  |  |  |  | No | No | 3.3 | 1 | 1 | N/A | 128.29 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2161484 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 4200 | Appraisal - 1025 | No | 99.17 | 1.01 | 1.008 | 4165.23 | 2107 | XXXX | 1 | 0 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 4200 |  |  |  |  |  |  | No | No | 4.1 | 7 | 1 | N/A | 331.36 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2161485 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 4517 | Actual In Place Rent | No | 89.35 | 1.119 | 1.119 | 4036.14 | 1917 | XXXX | 1 | 2600 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 4517 |  |  |  |  |  |  | No | No | 4.1 | 7 | 1 | N/A | 341.91 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 2161486 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | XXXX |  |  | 4200 | Appraisal - 1025 | No | 99.71 | 1.003 | 1.003 | 4187.88 | 1971 | XXXX | 1 | 1475 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 4200 |  |  |  |  |  |  | No | No | 4.1 | 7 | 1 | N/A | 329.85 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |

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## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g.htm)

**Exhibit 99.09 - Schedule 9**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2018534 | XXXX | XXXX | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2018534 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2126853 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2126853 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2126853 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2126853 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2124101 | XXXX | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2124101 | XXXX | XXXX | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 2137681 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2137681 | XXXX | XXXX | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2137681 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137681 | XXXX | XXXX | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2137681 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137681 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2137681 | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140102 | XXXX | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2140102 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2140102 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2140102 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140102 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140102 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2137687 | XXXX | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 2137687 | XXXX | XXXX | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2137687 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137687 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137687 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137687 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2137687 | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137707 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137707 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137707 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137707 | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137690 | XXXX | XXXX | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2137690 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137690 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137690 | XXXX | XXXX | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2137690 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137690 | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2137696 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137696 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137696 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2137684 | XXXX | XXXX | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2137684 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2137684 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2137684 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2137684 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140016 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2140016 | XXXX | XXXX | XXXX | Number of Units | propertyValuationPage | XXXX | XXXX | XXXX |
| 2140016 | XXXX | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | XXXX |
| 2140016 | XXXX | XXXX | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| 2143061 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2143061 | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2143061 | XXXX | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2140017 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2140017 | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2140017 | XXXX | XXXX | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| 2140110 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2140110 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2140110 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140110 | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2143987 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2143987 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2140083 | XXXX | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| 2158650 | XXXX | XXXX | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2158650 | XXXX | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2158650 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Borrower 1 Sex - I do not wish to provide this information | the1003Page | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Borrower 1 Race - I do not wish to provide this information | the1003Page | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Borrower 1 Ethnicity - I do not wish to provide this information | the1003Page | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Prepayment Penalty Flag | notePage | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Loan Origination Company NMLS | notePage | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2147747 | XXXX | XXXX | XXXX | Refinance Type | the1003Page | XXXX | XXXX | XXXX |
| 2147748 | XXXX | XXXX | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| 2147748 | XXXX | XXXX | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2147748 | XXXX | XXXX | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2147748 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2147748 | XXXX | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | XXXX | XXXX | XXXX |
| 2147748 | XXXX | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | XXXX |
| 2147748 | XXXX | XXXX | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2147748 | XXXX | XXXX | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2147748 | XXXX | XXXX | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2147748 | XXXX | XXXX | XXXX | Proposed Housing Expense | the1008Page | XXXX | XXXX | XXXX |
| 2147748 | XXXX | XXXX | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2147748 | XXXX | XXXX | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2147748 | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| 2147748 | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2155494 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2158656 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2158656 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2151698 | XXXX | XXXX | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2151698 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2151698 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2151892 | XXXX | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2151892 | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2151892 | XXXX | XXXX | XXXX | Subject Property Gross Rental income | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| 2151892 | XXXX | XXXX | XXXX | Total Monthly Property Insurance Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| 2151892 | XXXX | XXXX | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| 2158295 | XXXX | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2158295 | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2158295 | XXXX | XXXX | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| 2158295 | XXXX | XXXX | XXXX | Total Monthly Property Insurance Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| 2158295 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155496 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155496 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155496 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155496 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2151705 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2151705 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2151705 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2151705 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2151705 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2155505 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2155505 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155492 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2155492 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155492 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155492 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155498 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155498 | XXXX | XXXX | XXXX | B1 Verified Citizenship Designation | fraudReportPage | XXXX | XXXX | XXXX |
| 2158645 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2158645 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2158645 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2158645 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2155485 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155501 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155501 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155501 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2158652 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2158652 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2158652 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2158652 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155660 | XXXX | XXXX | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| 2155489 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155489 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155489 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2155490 | XXXX | XXXX | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155490 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155490 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155490 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155490 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155491 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155504 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155504 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155504 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155504 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155504 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2155495 | XXXX | XXXX | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2155495 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155495 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155495 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155495 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2155488 | XXXX | XXXX | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155488 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2155488 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155488 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155488 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155488 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155507 | XXXX | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2155507 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155507 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155507 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155507 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155659 | XXXX | XXXX | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 2155659 | XXXX | XXXX | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | XXXX |
| 2155659 | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2155659 | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2158653 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2158659 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2158659 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2158659 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2158657 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2158657 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2158657 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2158657 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 2155512 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2154546 | XXXX | XXXX | XXXX | Loan Type | the1008Page | XXXX | XXXX | XXXX |
| 2154546 | XXXX | XXXX | XXXX | Manufactured Home | 1003OcrPage | XXXX | XXXX | XXXX |
| 2154546 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 2154546 | XXXX | XXXX | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | XXXX |
| 2154546 | XXXX | XXXX | XXXX | Proposed Other | the1008Page | XXXX | XXXX | XXXX |
| 2154546 | XXXX | XXXX | XXXX | Proposed Mortgage Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2154546 | XXXX | XXXX | XXXX | Proposed First Mortgage P&I | the1008Page | XXXX | XXXX | XXXX |
| 2154546 | XXXX | XXXX | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | XXXX |
| 2154546 | XXXX | XXXX | XXXX | Proposed HOA | the1008Page | XXXX | XXXX | XXXX |
| 2154546 | XXXX | XXXX | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | XXXX |
| 2154546 | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 2158648 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2158648 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2158648 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2158648 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155499 | XXXX | XXXX | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2155499 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155502 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155502 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155515 | XXXX | XXXX | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2155515 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2158664 | XXXX | XXXX | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2158664 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2158664 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2158664 | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155493 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2155493 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155493 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155493 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155511 | XXXX | XXXX | XXXX | Borrower 1 Self-Employment Flag | 1003OcrPage | XXXX | XXXX | XXXX |
| 2155511 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155511 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155511 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2158651 | XXXX | XXXX | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| 2158651 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 2155510 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155510 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155510 | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2155514 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155486 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 2155486 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2155486 | XXXX | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| 2155486 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
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